Question: I booked my wedding recently but it has been cancelled due to covid and now my insurance company is not helping me out, what should I do?

Answer passage (source: Australia):
page_title: COVID-19 (coronavirus) information for consumers
section_headers: Wedding cancellations
I’ve purchased my wedding dress online from overseas and I’m worried it won’t be delivered. Can I cancel my order and get a refund?
section_content: 
If a supplier has accepted payment for your wedding dress, they must supply it to you by the date they have indicated or, if no time was specified, within a reasonable timeframe.
You should first contact your supplier to ask whether the dress is still able to be delivered and, if so, when you can expect to receive it.
If the business advises that your dress can no longer be supplied, then the ACCC expects you will receive a refund or other remedy such as a credit note or voucher.
The ACCC understands that many businesses are struggling to manage supply delays at this point in time due to circumstances outside their control. We urge consumers to remain patient and anticipate that it may take longer than usual for goods to be supplied.


Reviewer feedback on this answer:
This answer relates to a supplier, not with the wedding company or insurance company.
This answer talks about wedding items and trying to get money back after a wedding is cancelled due to covid.  It's a good answer.

Reviewer ratings:
Bad
Excellent

Answer passage (source: Australia):
page_title: COVID-19 (coronavirus) information for consumers
section_headers: Wedding cancellations
My venue has cancelled my booking. Am I entitled to a refund of my deposit?
section_content: 
If your wedding is cancelled due to government restrictions, this impacts your rights under the consumer guarantees. However, you may also have other remedies outside of the Australian Consumer Law.
For example, you may be entitled to a refund of your deposit under the terms and conditions of your booking.
You should contact the venue directly to request a refund or other remedy, such as a credit note to postpone your wedding to a later date.
If you had a right to a refund under the terms and conditions at the time you made your booking, businesses are not permitted to change the terms at a later time to deny you a refund.
If you receive a credit note or voucher, it should have an expiration date which is long enough to allow you to use the credit note or voucher.
Depending on your circumstances, you may also have other rights under common law, contract or state legislation.
For example, you may have rights under contract law where the contract can no longer be performed.
State and territory consumer protection agencies may be able to assist with guidance or conciliation involving relevant state legislation. Consumers may also wish to seek independent legal advice about whether they may have a remedy under common law, contract or state legislation.
The ACCC encourages all businesses to treat consumers fairly in these exceptional circumstances.


Reviewer feedback on this answer:
There is a good amount of info here.  It talks about the cancellation of a wedding due to covid and dealing with getting money back.
This list is full and concise of resources and answers, this answer relates fully to the question.

Reviewer ratings:
Excellent
Excellent

Answer passage (source: Australia):
page_title: COVID-19 (coronavirus) information for consumers
section_headers: Wedding cancellations
I took out wedding insurance, but I’ve been told it doesn’t cover me for cancellations due to COVID-19. What can I do?
section_content: 
You should first contact your insurer to check whether you are covered for your wedding cancellation under your wedding or event insurance policy.
If you disagree with your insurer’s decision you should discuss your complaint with them and explain what you would like the outcome to be. As part of the insurer’s Internal Dispute Resolution they will have a certain number of days to respond to your dispute.
If your dispute remains unresolved, you can contact the Australian Financial Complaints Authority (AFCA) for assistance. The AFCA Significant Event Hotline (1800 337 444) provides priority service for those financially impacted by COVID-19 and wish to make a complaint about financial products or services.


Reviewer feedback on this answer:
This answer addresses weddings being cancelled as well as having to deal with an insurance company.  It's a good answer.
This answer is not exhaustive, and does not relate exactly to the question as it firstly says to discuss the insurance company, when the question already spoke with the insurance company.

Reviewer ratings:
Excellent
Acceptable