To assist customers and potential customers in their understanding of what might be, and what is not, covered under an Emerald Wedding Policy in relation to covid-19/coronavirus ("coronavirus"), please note the following:

1. Coronavirus - Emerald Life
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Emerald Life Wedding Insurance and
Coronavirus
IMPORTANT INFORMATION CONCERNING EMERALD
WEDDING POLICIES ANDCOVID-19/CORONAVIRUS –
UPDATE (1) 27 FEB 2020
To assist customers and potential customers in their understanding of what might be, and what is not, covered under
an Emerald Wedding Policy in relation to covid-19/coronavirus ("coronavirus"), please note the following:
If a wedding venue is specifically closed by the authorities because of an outbreak of
contagious/infectious disease (including coronavirus) then this may give rise to an eligible claim if it becomes
necessary to cancel or rearrange the wedding. However, if the government were to introduce a general law or
regulation, for example banning large groups from assembling or quarantining a city, town or region, then there would
be no cover as Emerald’s policy wording expressly excludes liability arising from a change in law or change in
regulation.
If flights are cancelled or delayed because of a coronavirus issue, then this is not covered under an Emerald wedding
policy. A wedding policy covers the event itself not travel to the event, and so customers should check their travel
insurance in this case.
If one of the wedding participants or one or more close relatives falls seriously ill (including with coronavirus)
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2. Coronavirus - Emerald Life
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then this may give rise to an eligible claim if it becomes necessary to cancel or rearrange the wedding.
If the UK (or other) government advises against travel to the country of the wedding, then as above that is a travel-
related issue and a customer would need to look at their travel arrangements.
If a number of guests decide (for their own reasons) not to travel to a wedding abroad, or in the UK, then this would
not be a claim for cancellation under a wedding insurance policy.
Please note that in all cases, there are terms and conditions that will apply to any claim being approved, for example if
you have not given accurate information, or already knew about a particular issue before taking out wedding insurance
(which would therefore not be covered). This note is for guidance only and customers who have a wedding policy
should always ring the claims helpline for clarification before taking any action.
Claims number:
0333 234 3723
weddingclaims@emeraldlifeclaims.co.uk
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©2020 Emerald Life Limited. All rights reserved.
This website contains information on the products and services of Emerald Life only unless otherwise stated.
Emerald Life Limited is registered in the UK under number 07201151, registered address 286 Queensbridge Road, London E8 3NH.
Emerald Life Limited is an Appointed Representative of Commercial and General Limited, which is authorised and regulated by the Financial
Conduct Authority and appears on the Financial Services Register under number 300001, registered address 17 Teddington Business Park, Station
Road, Teddington, Middlesex, England, TW11 9BQ.
Emerald Life Limited is an Introducer Appointed Representative of Sterling Client Services Limited, who is authorised and regulated by the Financial
Conduct Authority and appears on the Financial Services Register under number 628324, registered address Norman Place, Reading, Berkshire,
United Kingdom, RG1 8DA.
FCA authorisation can be checked on the Financial Services Register at https://register.fca.org.uk/ or by calling them on 0800 111 6768.
NOTE: where percentage discounts are offered on premiums, they do not apply to all components of Emerald's home and travel policies and so
discounts offered may not be exact but an approximation.
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