May wedding - caronavirus

[Dramalamaindeed]

Anyone else worried?

I have about 10 guests flying from various parts of the world - none of which are the high risk areas but who knows what 2 months will bring?

Then I’m worried we can’t have the wedding as no mass gatherings could be banned/ we could be sick.

I haven’t taken out insurance but thinking of doing it now but will they even cover it?

I got my insurance on Friday and spent 2 hours on hold. I asked the advisor outright will I be covered for caronavirus, if I get it, close family or if the government make me cancel and she said yes.

The situation wasn’t as developed as it is now on Friday.

I think they have realised that this may cost them so they will not take the chance anymore so stopping new policies.

I just hope mine is actually covered and there isn’t a loophole.

We have just checked our wedding insurance and it doesn't cover if there is a Government Act inforced.... So basically we lose all our money if we are in lockdown?!

Who is your wedding insurance with @Greeneggsandham5??

It's with Dream Saver. Taken out last year. I'm going to ring them tomorrow to find out exactly where I stand.

Ours is the same (Debenhams) at it's the same for all wedding insurance. It's a loop hole for the insurance company if the government do a lock down/make it illegal to gather.

What I would say is that if your venue, caterers can't provide then they are liable to give you your deposit/money back
Because of it gets so bad then they will not be able to operate either and therefore you will not have to pay.

Hope that helps

Another angle is if your venue etc close due to the government then surely you can speak with them to reschedule the day especially considering you couldn't use their venue in the first place.

I don't think there is any point in calling as they will not give you any answers. If they say anything it will legally bind them so I doubt their staff will go off script.

We get married in just under a month's time. We just tried to get insurance and no one will insure within the next 150 days (at least). We are screwed aren't we .

Slightly off topic but I'm feeling very sorry for myself. We've lost 4 babies over the past 4 years, with the latest one being on 3rd January. Then my partner refused to try again, ever (obviously I'm broken). Since then I have had no faith in life whatsoever and keep expecting good things to go bad. I have been saying ever since that the next thing to be taken from us will be our wedding day. This was before I knew about Corona - looks like that is going to come true.

We are carrying on as normal because what else can we do? We've already paid for almost everything so we might as well carry on with it all. We are trying to stay positive but after all the heartbreak we've been through I just can't accept that this will all work out.

Should I just accept that we are screwed and £15k of really hard savings are now down the pan?

Or is there a chance it will be okay?

(yes I know in hindsight we should have got insurance for such a huge amount of money)

I'm with Debenhams as well @Yukaplantpot didn't realise this. I'm gutted. Even if the wedding does go ahead I think half of my guests will no show due to being so worried. It will be like there is a cloud hanging over all of us .
@Frazzlerock I'm so sorry to hear you've been through such a tough time. Life isn't fair

We are the back end of May. We don't have insurance as very little has been paid out so far and we don't have a package, so could rearrange the dates. Obviously a lot of guests have booked accommodation though and they won't necessarily be able to just swap the dates. I am having my hen party in two weeks though and today I feel like there's just a whole load of stress been plonked on my shoulders over it all. We deferred our honeymoon until next year and just booked a mini break in the UK, which I assume we will still be able to go on.

I’m supposed to be getting married next weekend. I’m not holding out any hope that it will happen. I’ve stopped planning. If it goes ahead, we’ve got the bits we need. We have insurance but it doesn’t cover the full amount (the wedding ended up being a bit fancier than I imagined!).

We only have 35 people, including us and the DC. My dad’s currently in the USA. Future BIL and SIL are in Canada. I’ve already told my elderly grandma that her health is most important.

I'm getting my lawyer friend to look over our insurance and will let you know what she says.

I don't know if a government lock down would actually work in our favour. I would rather have a complete cancellation than a half arsed event when ppl drop out last minute. If the government did a lock down I hope to think ,in such extreme circumstances that there would be a chance to reschedule the wedding later on.
Also the wedding industry will need to recover so surely they won't pass up business opportunities in the coming months or year.

Considering 80% of the population may get Ill the likely hood of the bride or groom getting it is high.
You must get a medical certificate to say you have covid 19 for the insurance to pay.
Please tell your immediate family the same because under Debenhams insurance parents, siblings who get Ill and cannot attend means it is good enough reason to cancel the wedding and insurance have to pay for the cancellation.

@ Frazzlerock sending hugs. I’m struggling too, feeling very low and sad and haven’t been through half of what you have.

We have dreams insurance but I know there may be loopholes which get them out of covering us. My hen do is 2 weeks away too and have no idea if it’ll go ahead.

I could cry and last night I did cry and took it out on my fiancé which I feel awful for. I’m just so angry that we’re in this limbo.

My fiancé and I had a massive row this morning. He's brushing it off as nothing and I am devastated.

My lawyer friend has said that the Debenhams insurance is pretty solid but there needs to be clarity on who is immediate family.

I don't know what to do. I didn't sleep last night. This should be an exciting time but instead I don't want to even bother with the wedding knowing it will be cancelled or even worse a shoddy half attempt where we've spent so much money for nothing

Our honeymoon will not happen. I feel so defeated

Totally feel the same Yuka.

All of my family just keep saying, keep calm it will go ahead!! I know they’re trying to reassure me but it’s rubbish as they don’t know.

I have a list to go through which I can’t be bothered to do as what’s the point.

I have suppliers chasing for payment but I don’t want to pay incase my insurance don’t pay out. I’m talking £8000 roughly. What do I do?!

Totally agree @Yukaplantpot I've just been on the phone to my OH and I said I would rather it be cancelled completely (if insurance pays out ofc) than it be a half arsed version on what we have planned and paid for. For example if the photographer can't attend and we don't have photos of the day or if half our guests can't or don't want to come. I think even if they do all come the atmosphere will just be flat because everyone seems to worried. What awful awful timing. I'm so pleased I've found this thread though because I feel so alone with it all atm.

Apparently we should all know more this afternoon after this government meeting that is going ahead today. It's all so up in the air and I want to know now either way so I can deal with it.

I feel the government should've acted weeks ago. They haven't taken it seriously.

My dad is a retired doctor ,pretty switched on for years (about 10 years) he has been convinced a pandemic ie influenza pandemic would happen. He knew this would happen and I just can't believe it's happening now. My dad has always warned us that it'd happen and we wouldn't be able to cope with an outbreak

Same so glad I found this thread. I feel utterly alone
My partner is very much being optimistic but the reality is it's only going to get worse.
Agree with the things such as the photographer and I haven't yet had my dress alterations...it's too big for me at the moment and because I'm on the short side no way could I walk in it.
I've been working so hard for this wedding
My hear and soul has gone into it.

Sorry for the moan. Unless you're in this situation no one knows the feeling.

Totally agree. I have worked out in the gym and watched what I’ve eaten for 2 years for this wedding. Dreamed about it, sleepless nights stressing, saved relentlessly and now it might not happen.

Unless you’re in this position no one understands. They just think oh I’m sure it’ll be ok otherwise just postpone.

I'm in the same boat @Dramalamaindeed... Middle of May wedding.

I've done a lot of reading of the scientific documents and advise, and also the government plans and suggestions - it's not impossible, but it's unlikely that the British government will do anything as extreme as Italy. They seem to disagree strongly with the moves to enforce lockdowns; stating that there is no scientific evidence that it slows the spread.

If there is a lockdown enforced, it's likely to be set to 100 people for indoor gatherings, and 500 people for outdoors. We're just under that, thankfully, so we'd probably be okay anyway... We looked into moving the wedding but if the virus behaves as predicted, we'd have to move it back over 18 months and our venue wouldn't allow it. We didn't really want to, either! Fiancé's parents are probably arguably at risk as both have had recent surgeries, and they called us last week to ask if we would cancel. I'd imagine a fair amount of his family are at risk of dropping out.

We're also hoping that the warmer weather next week brings the expected reprieve...

I obviously can't see into the future and I'm stressing too, not least because I've done much the same as you... years of overtime and stressing and planning and working out and eating well, and it'd just started to feel like it was coming together, the day itself was getting close and I was getting pretty excited about our honeymoon, too! We're due to pass through the US, so that could be pretty touch and go.

But the evidence so far suggests that it'll be okay, and for the sake of my mental health, I'm going to try and keep that in mind and ignore a lot of the scaremongering and uninformed opinions. Generally I believe most people are trying to help, but social media has made spreading panic and misinformation much easier.

No idea if that helps you at all, but I hope it does

@shellsandsunrises thanks so much for your post. I really do hope it’s as you’ve explained, it does make sense.

I hope you're right @ShellsAndSunrises

29 days until our Big Day. I'm so worried. I literally cannot cope with any more shit happening to us. I think this will finish me off.

My partner is just brushing it off and telling me it will be fine. Wtf!
He's focussed on the fact gatherings can still happen but ignoring the fact it's a waste of time because no one will turn up.

We've had a blazing argument. Why doesn't he care? Why is he intent on ignoring the fact it's a pandemic

I don't think it's worth panicking over. There's nothing anyone can do, and no predicting anything.

@Yukaplantpot I'm sure he does care. But he's probably trying to stay positive and go on the assumption of the best case scenario until he needs to do otherwise.

I find the hardest thing is the not knowing.

I would be able to deal with it either way whether it's cancelled or going ahead but it's the not knowing that's driving me mad.

Also I'm worried if it's going ahead most of my guests will drop out anyway and it's all such a waste of money for us. The venue have said if you let us know by Monday the guests that aren't coming they can refund me for them so that's a positive. It's just relying on people to be honest and tell us before Monday and not drop out the day before!

So I rang my insurance company... They said we are covered if the government shuts the venue down and it cannot go ahead, but not if we just change our minds and want to postpone the wedding (if we think guests won't turn up etc).

What a worry!