What happens to your deposits if you postpone your wedding?
If you need to postpone your wedding, some vendors may be willing to work with you to apply your deposit to a different date. But others may not, which means you'll lose your money, unless you have wedding cancellation insurance. Learn about how wedding insurance works and what to do if your wedding venue cancels on you.
Factors to consider when postponing your wedding
If you have no choice but to postpone your big day, consider these factors before speaking with your vendors:
How far away the wedding date is:
If you need to postpone your wedding, vendors who are willing to transfer your deposit to a new date may still charge you a postponement fee.
Why you're postponing:
If you need to reschedule for personal reasons, your vendors may be willing to work with you. But if you want to delay because of a significant event (e.g., a natural disaster) that's affecting other clients, vendors may be less willing to work with you.
How the contract is written:
Some contracts have a force majeure clause, which gives you and your vendor an out if either of you cannot meet your contractual obligations because of an "act of God." Just keep in mind that what qualifies can be a gray area.
How to postpone a wedding
If you need to postpone your wedding, follow these steps to make the process as smooth as possible for yourself and everyone involved.
Let your guests know
Even if you haven't set a new date yet, let your guests know your wedding won't occur on the originally planned date. This gives your friends and family more time to adjust any plans they've made.
As soon as you book a new date, let your guests know, so they can put it on their calendar and make any necessary travel arrangements.
Start with the vendors that are top priorities to hire for your rescheduled wedding date. See what other dates they have available, and work around their schedule. Some vendors may be able to accommodate your new date. If they can't, you'll probably lose your deposit.
Ask for recommendations
If vendors you previously booked aren't available on your new date, ask if they can recommend someone who might be.
Ask for a credit or contact your event insurance
If a vendor won't give your deposit back, ask for a credit to use another time, so you don't lose out completely. Or, if you purchased wedding cancellation insurance, it's time to file a claim to get reimbursed for your lost deposits.
What is wedding cancellation insurance?
Wedding cancellation/postponement insurance reimburses you for non-refundable expenses like deposits if you need to cancel or postpone your wedding due to events beyond your control. It may also cover your cake, flowers, rental cars, and more.
When you purchase Progressive® Wedding and Event Insurance by The Event Helper, Inc., you can add cancellation insurance* to your wedding liability policy. But some insurers offer wedding cancellation insurance as a standalone policy. Plans from The Event Helper must be purchased at least 14 days before your wedding date, which is a common requirement for wedding cancellation insurance.
What does wedding cancellation insurance cover?
You can get cancellation coverage from The Event Helper for the rehearsal, rehearsal dinner, wedding ceremony, and reception. And if you need coverage for your honeymoon, Progressive offers travel insurance through InsureMyTrip.
Wedding cancellation insurance usually only applies in certain circumstances, such as:
- Illness or injury of the couple, bridal party, and certain family members of the bride or groom
- Military deployment
- Extreme weather, such as a hurricane or tornado
- The vendor goes out of business
- The venue is unexpectedly unusable
Policies don't typically reimburse you if you change your mind about getting married or experience financial difficulties. Many policies, including Event Helper's, also exclude coverage for viral outbreaks and pandemics.†
How much does wedding cancellation/postponement insurance cost?
The cost of wedding cancellation insurance varies depending on how much the wedding costs, the number of people who will be attending, and what coverage you buy. Progressive® Wedding and Event Insurance by The Event Helper, Inc. starts around $250, depending on the budget of your wedding.
How to get wedding insurance
Get a wedding insurance quote from Progressive® Wedding and Event Insurance by The Event Helper, Inc.
Call a rep
Call 1-855-877-8885 and chat with a representative from Progressive® Wedding and Event Insurance by The Event Helper, Inc.