IMPORTANT NOTICE FOR NEW WEDDING INSURANCE CUSTOMERS:

Due to the coronavirus and concerns about public health, we are temporarily suspending new sales of wedding insurance. Please note the following:

  • No new policies can be sold for the time being, irrespective of outstanding quotes
  • Existing insurance policies remain valid with terms and conditions unchanged
  • Our call centre remains open for customers who have questions: 0330 113 7109
  • Existing customers can access their account via My Account
  • For coronavirus-related issues, please click on the information banner above
  • For claims please call: 0333 234 3723, email weddingclaims@emeraldlife.co.uk or download a claims form HERE

As you will appreciate, the unprecedented nature of Coronavirus (Covid-19) and the need for restrictions of gatherings has had a significant impact on both the wedding industry as a whole and more specifically your planned wedding.

As a result, we are receiving an extremely high volume of enquiries and claims from customers, and our usual response time has been affected. We sincerely apologise for this, however, please be assured that we are working through all claims and enquiries thoroughly, and as quickly as we possibly can.

If your wedding is impacted by Covid-19 and if you have not already done so, we encourage you to approach your wedding providers (venue and all suppliers) to discuss rearrangement options for a new wedding date, as we will need to know your rearrangement options before any claim can be fully considered.

We appreciate your continued patience while we all work through this.

We hope to be back online in a matter of weeks. If you would like us to inform you when the wedding sales suspension is lifted, please leave your details HERE.

IMPORTANT NOTICE FOR NEW WEDDING INSURANCE CUSTOMERS:

Please note the following:

  • No new policies can be sold for the time being, irrespective of outstanding quotes
  • Existing insurance policies remain valid with terms and conditions unchanged
  • Our call centre remains open for customers who have questions: 0330 113 7109
  • Existing customers can access their account via My Account
  • For coronavirus-related issues, please click on the information banner above
  • For claims please call: 0333 234 3723, email weddingclaims@emeraldlife.co.uk or download a claims form here

 

We will be back selling wedding policies as soon as we can. If you would like us to inform you when the wedding sales suspension is lifted, please leave your details HERE.

Have a question or need some help or want to change details?

If you have general questions in relation to Coronavirus and how this may affect your wedding and what the terms of the policy cover then please read or download the COVID-19 FAQs first and before you contact us.  If after reading the FAQs you still require assistance then we request that you contact us by email at customerservice@emeraldlife.co.uk. If your query is urgent and you need to speak to someone then you can call us on 0330 113 7109.  

Making a claim

Cover for cancellation of your wedding due to coronavirus (COVID-19) depends upon the individual circumstances of your claim. If you need to cancel or postpone your wedding due to COVID-19 then in the first instance, to ensure any financial loss is kept to a minimum, please contact your wedding venue and suppliers, as soon as possible to discuss your options. Your suppliers should want to help you and may allow you to make alternative arrangements to rearrange your wedding to another date (if necessary) at no additional cost, or they may offer you a refund.

Before you make a final decision regarding your wedding arrangements you should contact our claims department by email at weddingclaims@emeraldlife.co.uk. This is because we want to ensure that any financial loss you suffer is covered under the terms of the policy and that any losses are not recoverable from any other source (e.g. your venue or wedding suppliers, your credit card company etc). In other words, you have an obligation to mitigate your financial loss and we can assist you with this.

Please note, due to the ongoing situation we are experiencing extremely high call volumes and as such we ask that you only contact us by phone if you require immediate and urgent assistance with a claim, in which case you can contact us by phone on 0333 234 3723. To submit a claim please download our claim form here.  Please note we are not able to confirm cover until we have received a completed claim form and assessed the individual circumstances of your claim.

Wedding Insurance

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Coronavirus FAQs

As a result of the ongoing restrictions, if your wedding will not be able to go ahead as you had planned, you need speak to your venue and suppliers in the first instance, to see what they are willing to do to accommodate you. Please do this before submitting a claim. We expect most venues and suppliers to want to help you and to find an alternative solution.

If you want to make a claim please download a claim form from our website here. If you need help in making a claim you can email the claims teams at weddingclaims@emeraldlife.co.uk. or call us on 0333 234 3723.  If you call us please note that we not able to make claims decisions on the phone.  This because we often need documents of various kinds in order to validate cover and the amount of any loss. Please note that due to the significant volume of enquiries and claims we are currently receiving, our response time might be slower than usual and our advice is that email us rather than call us. We very much appreciate your understanding and patience during this time.

Following recent court judgements, your Insurers have made the decision not to apply the Government Act Exclusion* in your policy wording. This relates to all claims made in the future and all claims which have already been made. However, please note that all other terms and conditions of your policy remain unchanged and each claim will be reviewed on a case-by-case basis.

Emerald’s claim team is in the process of contacting all customers who have had their claim declined due to the Government Act Exclusion, as they will be reassessing your claim without the application of the Government Act Exclusion that may have been applied.

There is no need to contact us in the meantime if you have previously submitted a claim as we are endeavouring to contact every affected customer by 30 April 2021.

* The Government Act Exclusion is an exception to the cover for cancellation or rearrangement of your wedding and excludes any cancellation or rearrangement “due to any government regulation or act”, We had previously excluded a claim for any change or cancellation to a wedding or wedding reception due to Government Regulations regarding Coronavirus. However, your Insurers have decided not to apply the Government Act Exclusion to Coronavirus claims.

If you have any questions or wish to discuss your individual circumstances then please contact our customer service team by email at customerservice@emeraldlife.co.uk, or if your query is urgent you can call us on 0330 113 7109.  If you need to submit or discuss a claim then please contact the claims team by email at weddingclaims@emeraldlifeclaims.co.uk, or if your claim is urgent you can call us on 0333 234 3723.

Please note that due to the significant volume of enquires and claims we are currently receiving, our response time is slower than usual, potentially up to 21 days. We very much appreciate your understanding and patience during this time.

In the first instance, to ensure any financial loss is kept to a minimum, if your wedding is, or may be, impacted by Coronavirus, please contact your wedding venue and suppliers, as soon as possible to discuss your wedding. Your suppliers will likely want to help you and may allow you to make alternative arrangements to rearrange your wedding to another date (if necessary) at no additional cost, or they may offer you a refund. 

Under Section 1 (Cancellation, Rearrangement or Curtailment) of your policy, we would consider a claim for cancellation or rearrangement of the wedding due to Coronavirus for the below reasons However please note exclusions may apply (there is more detail on exclusions below):

  • Your ceremony or reception venue is unable to hold your ceremony and/or wedding reception due to Coronavirus.
  • Unavoidable cancellation of the wedding due to the death, injury or sickness (including Covid-19) of the prospective marriage or civil partner, or your close relatives (close relatives are defined within your policy), which would mean that having or continuing with the wedding and/or wedding reception would be impossible. Please see below for further details on what we cover in relation to Covid-19 and shielding due to Covid-19).

Please refer to your policy for further details on what is and is not covered under the terms of Section 1. Please also note that if your claim is covered, it is only covered up to the amounts listed in the Schedule to your policy.

This will depend on the individual circumstances of the lockdown.

However, if you have suffered a financial loss due to the unavoidable cancellation and/or rearrangement of your wedding scheduled during a lockdown then you can proceed to submit a claim for our consideration. Please contact weddingclaims@emeraldlifeclaims.co.uk and your claim will be considered under the terms, conditions and exclusions of your policy, including your obligation to limit your financial loss.

If your venue cancels your wedding ceremony and/or wedding reception, you need to discuss a solution with your venue, before submitting a claim. Your venue may offer you the opportunity to rearrange your wedding to a later date, or they may provide you with a refund.

If your venue cancels your wedding, your policy provides cover:

  • If the reason is because your venue is unable to hold your ceremony and/or wedding reception due to Coronavirus.
  • If the venue suffers financial failure and/or is unable to guarantee that it will be able to hold your wedding and/or wedding reception because it has gone into administration after the date of purchase of your policy.

If the venue is unable to hold your wedding and cancels please note that if they are refusing to give you a refund by reference to your contract terms with them, these terms can only be enforced if they are ‘fair and reasonable’ under the Consumer Rights Act 2015 (the CRA). The Competition and Markets Authority (CMA) has recently launched an investigation into complaints about coronavirus-related cancellations at venues. According to the CMA, where a contract is not performed as agreed, consumer protection law allows consumers to obtain a refund. This would apply where a venue has cancelled a wedding without providing any of the promised goods or services or when a consumer is prevented from receiving any goods or services due to circumstances beyond their control. So, in these instances we do expect your venue to refund you or offer an alternative date that works for you.

This is a decision for you, but we encourage you to have an open conversation with your venue and suppliers as soon as possible. However, one important piece of advice we want to highlight is that you should avoid paying by cash or bank transfers as much as possible and instead use credit or debit cards as such payment options may provide valuable protection against non-performance of supplier contracts. This is advice we would give at any time but in the current circumstances, it is even more pertinent.

Yes - if you or your prospective marriage or civil partner, or a close relative (as defined within your policy) contracts Covid-19, and you believe that the illness may extend to the wedding date, making it impossible to proceed with the wedding, then we will cover irrecoverable costs in accordance with the terms and conditions of the policy, which includes your obligation to limit your financial loss. You will be required to produce supporting evidence including medical certificates, or other evidence providing details of your illness. Please discuss this with our claims team who will advise further on what information you will need to provide to support any such claim.

Your policy covers death, injury and sickness of the prospective marriage or civil partner, or a close relative, that would make having or continuing with the wedding inappropriate.

  1. We may cover self-isolation of you or your prospective marriage or civil partner, or a close relative (as defined in the policy), if they will be in self-isolation on the date of your wedding ceremony and/or wedding reception.
  2. If you, or your prospective marriage or civil partner, or a close relative are required to shield due to being classed as Clinically Extremely Vulnerable and have received a letter from the NHS, a GP or the Government, then you may have a covered claim.

 

IMPORTANT: In the case of circumstance A or B above, you will be required to produce supporting evidence of the requirement to self-isolate or shield and evidence that your requirement to self-isolate or shield will include the date of the wedding. This may include an NHS self-isolating certificate or communication from NHS Test and Trace. Please also note that the Government guidance in force in relation to shielding at the time of your wedding will also be relevant when considering a claim for shielding (i.e. shielding will not be covered if the Government no longer request the Extremely Clinically Vulnerable to shield). If you are able to provide the required evidence, you will also still need to demonstrate how you have tried to limit your financial loss.  

Quarantining or self-isolating in relation to travelling:

Your policy does not provide any cover for travellers (including the prospective marriage or civil partners) who have to quarantine or self-isolate upon arrival or return into the UK or abroad.  

Unfortunately not. Your Policy does not cover the inability of your guests to attend the wedding due to travel bans or flight cancellations.

Cover is provided in relation to wedding suppliers in the following circumstances:

  • If the venue or catering business suffers financial failure in accordance with the terms and conditions of the policy, resulting in the cancellation or rearrangement of your wedding, then your associated financial loss will be covered, subject to any applicable exclusions.
  • If your wedding supplier enters bankruptcy, liquidation, ceases to trade or becomes insolvent. Note that later policies contain a specific exclusion where a wedding supplier becomes insolvent or is bankrupt or liquidated or ceases to trade within 10 days from the date you purchased your policy. Please check your policy carefully.

Cancellation and rearrangement cover under your Policy for weddings abroad operates in the same way as it does for weddings in the UK so please refer to the above guidance and the terms and conditions of your Policy. However, please note that if your wedding is abroad, your policy will be subject to the local laws and regulations in force at your wedding destination, including laws and regulations relating to social gatherings.

Unfortunately not. Your Policy does not cover travel bans or flight cancellations. As such, you should also discuss the options with your venue and suppliers for re-arrangement or refund. In addition, we would encourage you to contact your travel insurance company to discuss any claims for travel arrangements such as flights and accommodation.

If you have been able to rearrange your wedding to a later date or are considering doing so, we want to make sure you are aware that from 9th November 2020, we are offering all policyholders an opportunity to extend cover to a rearranged wedding date for no additional cost so your policy continues to remain in force for your rearranged wedding date.

 

Our offer is subject to policyholders’ meeting all of the following criteria:

 

  • The reason for postponement/rearrangement of your wedding must be directly related to COVID-19, the ban on social gatherings, enforcement of social distancing or travel restrictions;

Your rearranged wedding date must fall:

 

  • within 24 months of your existing wedding date; and 
  • no later than 31st December 2022, whichever is the earlier date of a) or b).

From 9th November 2020,  policyholders cannot request more than this one free extension under any circumstances.

You can split your wedding ceremony and wedding reception dates, but the later of the two dates must also fall within 24 months of your existing wedding ceremony date and be no later than 31st December 2022, whichever is the earlier date.

If you take advantage of an extension on or after 9th November 2020, this will be your final opportunity to extend your policy, in accordance with the provisions outlined above. We cannot extend your policy again.

It is also important for you to understand that all of the terms, conditions and exclusions in the policy you purchased for your original wedding date, do not change if your policy is extended to your rearranged wedding date.

Therefore, if your wedding is cancelled or postponed whilst the Government still prohibits large gatherings such as weddings, or the Government introduces new restrictions, your claim may be excluded from cover. This exclusion applies to weddings in the UK and overseas, based on the applicable local laws and regulations at your wedding destination.

To request an amendment to the dates on your policy please contact our customer service team by email at customerservice@emeraldlife.co.uk and we will amend the dates accordingly and send you a revised policy schedule. 

If the current restrictions on weddings means a significant number of your guests are unable to attend the wedding, then you may have a covered claim.  This will depend on the circumstances of your claim, so you will need to contact us to discuss further.

In circumstances, where you have already rearranged your wedding and received a free date change of your policy from Emerald Life (if you meet the above conditions for a free date change), you are still eligible to submit a claim for increased costs associated with the re-arrangement of your original wedding, if you have not already done so. However, as you will appreciate, any claim will be assessed against the terms and conditions of the policy so there is no guarantee that your claim will be covered.

We also confirm that any extension to your policy to a revised wedding date, does not have any impact on whether or not you have a covered claim under the policy, be it for your original wedding date, or your rearranged wedding date.

We do however need to bring to your attention that the cover limit stated in the Schedule of your policy is the maximum value of all claims that you can make, both in relation to your original and rearranged wedding. For example, in the unlikely event that you need to rearrange your second wedding date and your claim is covered, your total claim payments cannot exceed the cover limits stated on your Policy Schedule for rearrangement cover.

If you have any questions on your policy in the first instance you can contact our Customer Service Team by email at customerservice@emeraldlife.co.uk. If your query is urgent then you can also speak to us on 0330 113 7109. The Emerald customer service team will give you general guidance but are unable to advise on specific claims scenarios. The best way of finding out whether your loss is covered by your policy is to complete a claim form and submit a claim.

 

 

Please note that due to the significant volume of enquires and claims we are currently receiving; our response time might be slower than usual. We very much appreciate your understanding and patience during this time.

WEDDING INSURANCE THAT SAYS "I DO" TOO

WORLDWIDE COVER FROM £12.5K UP TO £100K

CAKE, RINGS, PHOTOS, CARS, OUTFITS - COVERED

WEDDINGS, CIVIL PARTNERSHIPS AND CONVERSIONS

UK'S FIRST LEGAL EXPENSE COVER AGAINST DISCRIMINATION

AS YOU'RE GETTING MARRIED, PROTECT YOUR HOME TOO.

Did you know that if you buy an Emerald wedding policy we give you 15% off your home insurance? Once you've completed your wedding policy purchase, you'll get a code to use at any time you get a home insurance quote from us.

My daughter and her boyfriend are getting married in 2021, I want peace of mind in case something goes wrong between now and then. It's great cover, and great service. - Tracy Hague, Estate Office Manager

UNIQUE INSURANCE
TAILORED FOR YOU

THE EMERALD DIFFERENCE

PROTECTING YOU

CHOOSE FROM 4 LEVELS OF COVER

FULL DETAILS FOR POLICIES TAKEN OUT 17th MARCH 2020 OR LATER

POLICY WORDING

(File size 843Kb PDF)

POLICY SUMMARY

(File size 234Kb PDF)

INSURANCE PRODUCT INFORMATION DOCUMENT (IPID)

(File size 395Kb PDF)

FULL DETAILS FOR POLICIES TAKEN OUT BEFORE 17th MARCH 2020

POLICY WORDING

(File size 761Kb PDF)

POLICY SUMMARY

(File size 234Kb PDF)

INSURANCE PRODUCT INFORMATION DOCUMENT (IPID)

(File size 395Kb PDF)

Frequently Asked Questions

Weddings can be incredibly expensive events – and you want everything to be perfect. There are lots of factors outside your control that can impact them. So it makes perfect sense to insure your big day. Our wedding policy covers things such as damage to clothing, financial failure of services suppliers, cancellation due to adverse weather, and illness AND if any services supplier refuses to provide you a product or service because you are having a same-sex wedding, or for any other reason that is prohibited under the Equalities Act – just about everything we can think of where you might need protection for on your big day.

Our standard wedding insurance packages are designed to cover one wedding and one reception. If you are planning a multi wedding or reception arrangement, perhaps to have another blessing in one of the participant’s home countries or where you first met, then give us a call and we will raise it with the underwriters (usually responding within 24 hours) and try to accommodate you. 

Yes, Emerald provides worldwide cover for wedding and reception celebrations, subject to the below conditions. It is one of the things that makes Emerald wedding insurance so comprehensive. Despite this global coverage, there are five specific sections of this insurance where we are unfortunately unable to provide worldwide cover:

  • We are unable to cover weddings or receptions in Cuba, Iran or North Korea;
  • Personal Liability does not apply to wedding and receptions taking place in the USA or Canada;
  • Guests' Personal Liability does not apply to wedding and receptions taking place outside the UK;
  • Our optional extras of marquee cover and ceremonial sword cover only apply in the UK; and
  • Where you believe that you have a claim for discrimination on the grounds of your sexuality, cover is only for weddings or receptions in the UK.

Emerald can provide coverage of up to £100,000 and policies start for as little as £49 – you’ll find a policy to suit your celebration, no matter its size.

Yes they are, although there are limits on the value of each individual gift of either £250 or £750 per gift, depending on your level of cover. Please review the limits for wedding gifts. Reasonable care needs to be taken with all of your gifts so that you are covered against theft or loss. 

Emerald has you covered if you are left with unrecoverable expenses for wedding outfits, flowers, photographs, caterers, transport, accommodation and anything else that is booked and then not used. Under an Emerald wedding policy, a valid reason includes the following (but – importantly – subject to the conditions and qualifications as set out in the full policy wording): if your wedding venue cannot hold your wedding or reception because of damage to the venue, outbreaks of disease, closure of the venue by the relevant authority, death or illness of one of the participants or a close relative, or the failure of a minister, registrar, or wedding services supplier to turn up on the day, loss or damage to ceremonial attire, redundancy of one of the participants or any close relative paying for the wedding, adverse weather conditions meaning that the participants, their parents or most of the guests cannot reach the venue, or a military posting overseas of one of the participants, attendants or close relative.  

Before you cancel a Wedding and/or a Wedding Reception, we strongly recommend that you call our claims helpline on 0333 234 3723 to understand the scope of your cover. We don't want you to be in a position where you cancel the Wedding and/or the Wedding Reception, but then find out that you are not covered.

Yes, Emerald wedding insurance protects you against such eventualities and if over 50% or 75% (depending on your level of cover) of the photographs are not viable, you can reshoot

Yes, it does. Should your transport supplier fail to honour their contractual obligations, Emerald will cover you for any extra expenses you incur.

Yes, Emerald’s wedding insurance provides cover for loss or damage to wedding rings, up to a maximum of £15,000 of cover on our top tier of cover. Please refer to our chart showing levels of cover and limits

We offer redundancy cover where notice is received at least 8 weeks after the policy is taken out and qualifying for payment under the current redundancy legislation. This covers the participants and any of their relatives who would have made proven, significant, financial contributions to the wedding arrangements. In such a case, you would have the option of cancelling the wedding and claiming back irrecoverable expenses under your wedding policy or rearranging the wedding.

Before you cancel a Wedding and/or a Wedding Reception, we strongly recommend that you call our claims helpline on 0333 234 3723 to understand the scope of your cover. We don't want you to be in a position where you cancel the Wedding and/or the Wedding Reception, but then find out that you are not covered.

Yes, you can cancel your policy up to 14 days after taking it out and before the wedding has taken place. For cancellation after 14 days, there is no refund. If you wish to cancel your policy please call us at: 0330 113 7109.

Yes, we provide cancellation and rearrangement cover if they are deployed overseas in unforeseen circumstances, subject to the terms and conditions contained in the full policy wording.

Before you cancel a Wedding and/or a Wedding Reception, we strongly recommend that you call our claims helpline on 0333 234 3723 to understand the scope of your cover. We don't want you to be in a position where you cancel the Wedding and/or the Wedding Reception, but then find out that you are not covered.

Personal liability cover protects you in the event that you or your partner accidentally cause an accident that results in the injury of a third party or damage to their property. We provide personal liability insurance worldwide, excluding the US and Canada. Guests' personal liability cover simply extends this cover to your guests.

Guests’ Personal Liability cover does not apply anywhere outside the UK.

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