Insurance

We are with Marks and Spencers insurance who when I rang them last week were quite positive about us being able to claim and asked us to send a list of the items we hadn't received when Wrapit did eventually go into administration which I did yesterday.

Too soon to know yet whether we'll be successful but at least they've not said no!

From other message boards I gather M&S are the only insurer giving claims the time of day at the moment but this doesn't mean you should stop trying, might be worth comparing the policies to see where the difference is?

Do you know the timescale for claiming from M&S Insurance? We got married last July so I'm wondering if we are still covered a year afterwards.

Any way someone could post online a scanned version of the M&S Terms and Conditions? If they are similar to others it would be a way of trying to argue with the other companies who are saying no to claims.

http://www6.marksandspencer.com/pages/default.asp?PageId=PolSum&Product=WI

you can download the M&S policy document from this site

M&S told us we could calim under teh suppliers section but only in the event of liquidation, not administration, and only if guests had failed to get a cc refund.

Are other people being told different?

We are with Debenhams Insurance. When the Wrapit problem kicked off I rang Debenhams to check that those guests who cant get their money back would be covered by our insurance. The woman said yes, no problem. When I rang back after Wrapit had gone into administration I was told they had 'reassed their policy' and we are no longer covered as it was our guests that bought gifts not us and the policy covered us. In the mean time I had emailed all guests to say they would get their money back in some shape or form as we were covered by Debenhams. So embarrassing. Is this legal? Can insurers change their policy just like that? Anyone else had this problem?

We are with Debenhams too and had the same experience. We are now seeking legal advise, however we need a copy of Wrapit's terms and conditions. Does anyone have a copy they could send me at stephaniemjones@hotmail.com?

Can they change their policy from a legal perspective? Probably, assuming they were covering you as a "goodwill gesture" and the wording of your policy doesn't cover this (most seem not to, but I haven't read Debenhams). I imagine they said that they'd issue you with a claim form and invite you to claim, rather than categorically that you were covered, although it's a fine line between the two and not fair to treat you in this way.

From a practical perspective, I'd push them as hard as you can. Stress the line that you were told you'd be covered. Point out the negative coverage that HSBC is receiving and will receive after today's protest. Don't threaten them with protests yet, but point out that Debenhams and M&S had received lots of good publicity initially when people thought they were covered, and that to change this policy now would put them in an even worse light than, say, E&L.

Wrapit’s Terms and Conditions

FOR COUPLES
Setting up a list - By setting up a list, the registrants are accepting the terms and conditions laid down herein. Wrapit undertakes to provide the service as defined in its documentation and web pages.
Consultation - There is no charge for a consultation or other meeting with a Wrapit Personal Consultant at a Wrapit showroom. However, in the event that a booking is made for a consultation or other meeting and this is cancelled for any reason less than 24 hours before the scheduled time, a charge of £30.00 will be made.
Gift purchase - Purchases of gifts will only be accepted with payment. Wrapit accepts cheques and all major credit and debit cards, which will be debited at the time the order is placed.
Prices - The price charged by Wrapit for any item is the manufacturer's recommended selling price, where available. Otherwise, it is the company’s best estimate of the average price charged by comparable high street department stores. The price of an item may change after it has been bought but before the relevant list has been ordered, in which case the item will remain on the list as a purchased item at the new price unless the item is exchanged for a credit in which case the credit provided will be the price paid by the purchaser.
Price Promise - Those items which feature both on the Wrapit and the John Lewis websites will be priced by Wrapit at or below the full retail price for the item as displayed on the John Lewis site. This does not apply to any special promotions, out of stock items or temporary discounts which may be featured on the John Lewis website. In the event that any such item is found by a couple to be more expensive on the Wrapit website than on the John Lewis website a credit voucher will be provided by Wrapit to the couple for the full value of the price discrepancy multiplied by the number of such items ordered by the couple.
Alterations to wedding lists - The individual or couple who created the list will select a password which provides them with access to alter the list of unpurchased items at any time. However, once an item has been purchased, it cannot be amended except during the “list closing” process (see below). Wrapit will not divulge log-in details to anyone who is not an employee of the company but can accept no liability for the effects of any change made to a list as a result of unauthorised access to a list.
List closing - Once all the purchases on a wedding list have been made, or at any other time, either member of a couple may instigate the closing process. At this point they may cancel any particular purchase and apply the value of that purchase to their wedding list account. They may then use this credit to purchase any other item from the Wrapit range. The list balance is adjusted throughout this process using current retail prices.
Final order - Once the list is closed and any amendments made, the couple then confirm their final order. A 10% discount will be applied at this point to any charge for additional items purchased by the couple beyond the value of the gifts purchased by their guests and others. Only when the final order is confirmed and any payment due is made will Wrapit order the items specified on the final order from their suppliers.
Alterations to orders - Once a couple has confirmed their order any changes to the order will be subject to a £10.00 administration fee per item changed.
Small list administration charge - If the total ordered value of your list is less than £500, a £25 service charge will be payable.
Delivery charge - There is no delivery charge for up to two deliveries to any address in the UK (excluding the Channel Islands). Deliveries are made on weekdays between 9.00am and 5.00pm. It may be possible to arrange weekend or evening deliveries, subject to a supplementary charge.
Delivery - Wedding lists usually take eight weeks to assemble but this process may take up to 12 weeks. As they are received, the goods are collated, checked, packed and delivered to the address specified by the list originator, in one or two consignments, at a time and date convenient to both the recipient and Wrapit. Gifts will not be individually gift-wrapped but will be delivered in presentation boxes. The delivery must be received and signed for. Aborted deliveries will be charged at £30.00 plus 25p a mile. While Wrapit will make every effort to deliver completed wedding lists at the time agreed, the company cannot be held responsible for inconvenience caused by unavoidable delays or the failure by suppliers or delivery companies to deliver on time.
Breakages - In the event that an item is received from a supplier by Wrapit damaged in any way, the company will arrange for the supplier to provide a replacement. If this has not arrived when the list is ready for despatch, it will be sent on separately.
Collections from Wrapit warehouse - It is possible to collect deliveries personally from the Wrapit warehouse on weekdays during office hours, by prior arrangement.
Discontinued items - In the event that Wrapit receives notice that an item is no longer supplied by the relevant supplier
1. if the item has not been purchased, it will be removed from those lists on which it features.
2. if the item has been purchased but the couple have not yet ordered their gifts, the item will be removed and an equivalent credit made available to be used to purchase an alternative gift during the list closing process.
3. if the item is part of a list which has been ordered Wrapit reserves the right to supply an alternative gift of equivalent or greater value or to provide a credit voucher to facilitate the purchase by the couple of an alternative gift from Wrapit’s stock.
Returns - Items purchased may be returned in exchange for other Wrapit products or vouchers, on condition the recipient notifies Wrapit, in writing, within 7 days of receiving the goods, of their intention to return them and specifying the exact reason for the return. If the reason for the return is damage or incorrect supply, Wrapit will arrange collection and replacement of the item. In any other event, the recipient is responsible for arranging and paying for delivery back to Wrapit and the goods returned must be in perfect condition and in their original packing on arrival at the specified Wrapit premises. All items must be returned within 28 days of the customer notifying Wrapit they wish to return the goods. If the item arrives in satisfactory condition, the company will replace the item with another from the Wrapit range, subject to a £10.00 administration fee per item. If not, Wrapit will charge for the item in question.
Refunds - Wrapit will not make refunds to couples in respect of goods returned under any circumstances. If an item is proved on delivery to be of unmerchantable quality the individual who originally bought the item may request a refund from the company. This request must be in writing and must indicate the reason for the dissatisfaction with the item and that there exists no suitable alternative gift in the Wrapit product range. Once the Company is satisfied that the quality issue is genuine and that it is not possible to replace the item with one of adequate quality, a refund will be made to the purchaser.
Honeymoon vouchers - Wrapit honeymoon vouchers may only be redeemed against holidays booked through International Travel Connections Ltd (ITC). In providing the honeymoon voucher service Wrapit is acting as an agent of ITC. Guests will be able to purchase honeymoon vouchers up to the Credit Date which is six weeks before the departure date recorded by the couple on the Wrapit database (the Departure Date). Vouchers purchased will be converted into a credit with ITC on the Credit Date. Gifts and Wrapit vouchers bought by guests may not be exchanged for honeymoon vouchers and honeymoon vouchers bought by guests may not be converted into any other form of credit with Wrapit. Once Wrapit honeymoon vouchers are converted into an ITC credit the payment will be subject to the Terms and Conditions laid out in the ITC Classics brochure and Wrapit will not be able to provide refunds to voucher purchasers.
Quality of goods - When supplying goods to its clients, Wrapit is acting as an aggregator and delivery service provider. The company makes no warranty of quality beyond that made by the manufacturer or supplier of the product. Any quality issues with goods received through Wrapit must be addressed directly to the supplier in question. Wrapit will facilitate this communication.
Overseas deliveries - For deliveries overseas, Wrapit will, if requested, provide a quote to freight to international destinations. However couples have the option to make their own arrangements should they prefer. The freight cost must be paid before shipment takes place. Wrapit will also provide insurance for the goods if requested, on payment of a premium of 10% of the retail value of the goods shipped. Unless the goods are insured with Wrapit, the company can take no responsibility for the integrity of the gifts on arrival at their destination.
Storage - Gift List Users will be notified when all the items Ordered against that list are ready for despatch. If some items Ordered on a List have particularly long lead times and at least 60% of the List (by value) is ready for despatch, Wrapit may require the List User to take a part delivery immediately. Once the List User has been advised in writing that Wrapit wish to make a delivery under this provision, a storage charge of £10 per box (approx 0.5 cu.m.). per month will apply 14 days after the notification.
Deliveries outside the EC - VAT reclaim - Wrapit will assist couples who request their gifts to be delivered outside the EC to avoid paying VAT on these gifts, provided these items are delivered abroad by the Company’s shipping agents. The procedure is as follows
• the gift purchasers pay VAT in the normal way.
• the couple advise Wrapit during the list closing process that the goods are to be delivered and that they wish to claim VAT back on the relevant purchases.
• Wrapit then calculate the VAT on these items and provide this as a credit which the couple may use to purchase additional items prior to making a final order or apply to offset the cost of the international shipment.
Cancelled weddings - In the event that a wedding is cancelled after gifts have been bought Wrapit will refund the money to guests if authorised to do so by both members of the couple. This will be subject to an administration charge amounting to 10% of the money to be refunded which will be charged to the couple. No refunds to guests will be performed until payment is made.
Your information is confidential - Wrapit provides a secure environment for the purchase of housewares and gifts. Information gathered by the company in the course of its activities is used exclusively in the management of wedding lists and the processing of orders placed with the company. Wrapit does not sell, rent or otherwise trade any of its customers personal information.
Acceptance - By setting up a wedding list with Wrapit, couples are confirming that they have read these Terms and Conditions and agree to abide by them. Wrapit reserves the right to decline to manage any list at any time. If this occurs after goods have been bought from a list, Wrapit will deliver the goods bought and close the relevant list.
Definitions -
The Wrapit service - The service provided by Wrapit plc (Wrapit or the Company) offers
• the facility to create and manage a wedding list online.
• guest purchase facilities.
• a fulfilment service to source, assemble and deliver items purchased from a wedding list.
Wrapit couple - Two people who expect to be the beneficiaries of gifts bought by others from a list of possible gifts which they have created using the Wrapit website and other facilities.
Wrapit department store - The list of products featured on the Wrapit website and available for application by a Wrapit couple to their wedding list.
Wedding list - A list of items featured in the Wrapit virtual department store which has been extracted onto a list created by a couple.
Service period - The period from initial registration by a Wrapit couple until all items ordered by a couple have been delivered in acceptable condition.
Consultant - A dedicated personal adviser provided by Wrapit free of charge whose job is to provide advice and assistance to Wrapit couples throughout the service period.

FOR GUESTS
Wrapit’s Terms and Conditions for Guests
Orders - An order for a purchase from a wedding list will only be accepted with payment. Wrapit plc (Wrapit) accepts cheques and all major credit and debit cards, which will be debited at the time the order is placed.
Cancellation - In the event that a gift purchaser wishes to cancel a gift purchase instruction for any reason, Wrapit will effect a refund less a 10% administration charge.
Transfer of Value - Once a couple close their wedding list, the value of each gift purchase is applied to their account with Wrapit. This will normally be applied to the purchase of the gift specified by the donor but may be used to purchase other things from the Wrapit catalogue. For the purpose of the Consumer Credit Act Wrapit has fulfilled its obligations to deliver value for the purchase consideration when the equivalent funds are applied to the account of the couple.
Delivery of Gifts – Gifts will be delivered in large presentation boxes. Delivery times are typically 8 to 12 weeks from the date goods are ordered by a couple. Lists may be ordered some weeks after the wedding.
Prices - The price charged for any item, is the manufacturer's recommended selling price, where available, otherwise, it is the company’s best estimate of the average price charged by comparable high street department stores. Wrapit matches prices with the John Lewis Partnership website for all comparable products.
The information you give us will be confidential - Wrapit provides a secure environment for the purchase of housewares and gifts. All information transmitted by electronic means is encrypted. Information gathered by the company in the course of its activities is used exclusively in the management of wedding lists and the processing of orders placed with the company. Wrapit does not sell, rent or otherwise trade any of its customers' personal information.

We got married in June last year and when I contacted M&S they said no problem - we are covered either through loss of supply or the wedding present section.

Hope they haven't changed their minds

Does anyone have a copy of the Debenhams wedding policy for me?
They emailed us a link but it is not working, presumably because our wedding date has passed?

Thanks for emailing this - it's very interesting.

As I see it (and I'd be very interested in Marc's or Suzy's view on this) the Wrapit T's & C's indicate that there are potentially two contracts in force.

The first contract is between myself and Wrapit for Wrapit to supply the service of a central website and to be my agent for holding the cash provided by my guests and goods collation and ordering service.

The second contract is between each of my guests and Wrapit. Wrapit appear to hold on trust for each guest the sum of money provided for the purpose of later transferring it into my account (held with them) which I can then use to buy items off the Wedding list. There is a section in the terms and conditions which apply to the Guest contract which says that transfer of value occurs when the list is closed. It also says that Wrapit have fulfilled their obligations to the Guest at this point.

In my view on transfer of value title in the money deposited with Wrapit is passed to me and my fiance and no longer belongs to each guest.

Why is this important? With the insurance companies you have to prove that you had a contract (we did) and that you suffered loss. The insurers are curerntly arguing that since the money belonged to each guest we have suffered no loss and so don't have an insurable claim. It is my contention that as of the date of closing the list title in the deposited funds transferred to me and therefore I do have a loss.

I discussed this at length with my insurer. He listened and said that I had points worth passign to the reinsurers. Apparently the reinsurers are meetings soon to try and agree the legal position (which they admit is not clear). I am emailing my insurer with my legal view of this. I would encourage you to do the same - once the reinsurers finalise their view none of us will get any money under the insurances (or it will b e very difficult).

You should be aware that I could well be wrong - this is such a difficult area of law. And Wrapit don't help by stating that refunds can only go to guests (which goes against the argument that title transferred to us) BUT in my view this was just a poxy attempt of Wrapit to limit their liability (and not the true legal position - they can't have it both ways and they clearly state that on transfer of value they have fulfilled their contract with each guest).

Thank you kindly for posting these. I spoke with three different insurance adjusting friends in the City, and have three different answers on whether they think we ought to be covered under our wedding insurance (we went with Debenhams).

From Debenhams themselves (Traveller's Protection Scheme - TPS administer), they have told me that they won't cover the gifts as it is our guests who are out of pocket, not us.

However, two things to consider: 1) they say that gifts are not covered because we (bride and groom) have no 'insurable interest' - meaning we are not out of pocket, our guests are. However, TPS would have covered my reception/venue/etc had something gone wrong, despite the fact that my father (third party) paid for these things. 2) we (bride and groom) do indeed have a contract with wrapit, they are a key wedding supplier, and this should be covered under failure of suppliers (almost like the caterer neglecting to show up at the right time, the gift provider failed to provide the gifts at the right time and is now in administration).

The three opinions shook out like this:

Friend #1 said that he as a claims agent would categorically deny the claim, saying that the insurable interest is with the guests, not the couple.

Friend #2 said that if he could get away with it (i.e. it's not a huge claim), he would cover it but it would depend how I'd put my case forward and how he was feeling that day (oy!)

Friend #3 said that he would definitely cover it as it is a failure of a key supplier, and you have a contract with that supplier regardless of who is purchasing the gifts.

Obviously I like friend #3's opinion the best, but there may be some merit in bringing a claim to determine whether they will cover it. Not sure whether I should do this first or let our guests know about the whole fiasco and try to claim back on their cards - we were married nearly a year ago, so this process seems totally unmanageable.

Apologies for the long post, but thought it might be helpful to some others in the same situation.

Thanks for emailing this - it's very interesting.

As I see it (and I'd be very interested in Marc's or Suzy's view on this) the Wrapit T's & C's indicate that there are potentially two contracts in force.

The first contract is between myself and Wrapit for Wrapit to supply the service of a central website and to be my agent for holding the cash provided by my guests and goods collation and ordering service.

The second contract is between each of my guests and Wrapit. Wrapit appear to hold on trust for each guest the sum of money provided for the purpose of later transferring it into my account (held with them) which I can then use to buy items off the Wedding list. There is a section in the terms and conditions which apply to the Guest contract which says that transfer of value occurs when the list is closed. It also says that Wrapit have fulfilled their obligations to the Guest at this point.

In my view on transfer of value title in the money deposited with Wrapit is passed to me and my fiance and no longer belongs to each guest.

Why is this important? With the insurance companies you have to prove that you had a contract (we did) and that you suffered loss. The insurers are curerntly arguing that since the money belonged to each guest we have suffered no loss and so don't have an insurable claim. It is my contention that as of the date of closing the list title in the deposited funds transferred to me and therefore I do have a loss.

I discussed this at length with my insurer. He listened and said that I had points worth passign to the reinsurers. Apparently the reinsurers are meetings soon to try and agree the legal position (which they admit is not clear). I am emailing my insurer with my legal view of this. I would encourage you to do the same - once the reinsurers finalise their view none of us will get any money under the insurances (or it will b e very difficult).

You should be aware that I could well be wrong - this is such a difficult area of law. And Wrapit don't help by stating that refunds can only go to guests (which goes against the argument that title transferred to us) BUT in my view this was just a poxy attempt of Wrapit to limit their liability (and not the true legal position - they can't have it both ways and they clearly state that on transfer of value they have fulfilled their contract with each guest).

Not quite sure how I managed to post this twice! Anyway, TPS are who manage my claim too. I have emailed them and allegedly they will discuss it when they meet with the reinsurers - they agreed with me (after a long time of my trying to find a decision maker rather than a call centre) that the position is unclear and that I have arguments that can be made. They also said it is a complex legal area and they want to make sure that whatever final ruling they make (and don't be misled - they haven't made a final ruling yet) is correct.

We are with TPS too and they have given us the same response. Thanks so much for your help with this. I emailed them the guests' terms and conditions and they agreed that there is at least something to discuss here.

We got married with less than 3 months notice (bought the wedding forward for family reasons) and as a result we could not get insurance. This whole episode is just awful

Remeber everyone your wedding day was wonderful and one you will never forget, don't let this shadow your beautiful day!

Thanks Anonymous. I think it's really important that we all don't just back down with the insurers. I'm not holding my breath as they may just spend the time thinking of more sophisticated legal reasons to refuse us, but remember we paid them money and if we have an insurable interest (which is a matter of law) they have to pay up!

Either way, I agree with the last post. The most important thing is marrying the person you love!

Thanks for all the posts they are really helpful.

Greenbee is with TPS too and after half an hour on the phone they were still saying that because of the refund issue to guests the contract was with them.

He did however say the final decision would be reached in the next couple days. I pushed the bad publicity aspect but it didn't seem to bother them. I will be continuing to fight with them as it seems ridiculous not to cover the one thing we need it to do.

I agree that the refund to customers muddies the waters, but I don't agree it absolves TPS of liability. Here is what I sent them:

To just set this down in writing, I have read the Wrapit contracts (the terms and conditions which they apply to each guest and to each couple).

In my view there are two contracts - one between each couple and Wrapit and one between Wrapit and each guest.

Admittedly Wrapit do muddy the position in places, however, reading the contracts as a whole and looking at the intention of the parties (which is the way to construe a contract which is unclear) believe that the position under each contract is as follows:

Couples

We have appointed Wrapit as our agent to collate in funds, to source goods and suppliers, to provide our guests with a web-based service, to collate goods and to finally deliver them.

Guests

Guests provide funds to Wrapit to hold on trust for the purpose of applying those funds for the purchase of wedding list goods (not a specific item). While the funds are held on trust I agree that Wrapit's obligation is to each guest and if the purpose fails (as it has) Wrapit must repay each guest otherwise it has broken the law. Each guest then becomes an unsecured creditor of Wrapit and can either claim on its bank under the Consumer Credit Act (for goods of over £100 and under £3000) or under the Visa direct debit scheme.

So far this probably accords with the advice that insurers have been giving out.

Here's where I think the position changes.

Wrapit, in their terms and conditions for each guest, clearly state that on closing the list "Transfer of Value" occurs and the value of each "gift purchase" is applied to the couple's account. It also says that Wrapit have fulfilled their obligations to each guest to deliver value for the purchase consideration at this point. In non legal terms, they have performed their obligations to each guest and the sum of money has transferred to the couple's account. In my view this clearly transfers ownership of the chose in action (I.e. the claim for the money) to the couple and a non-performance by Wrapit is the couple's loss.

At this stage the trust purpose is completed as the funds have been transferred to the couple who may then use them to purchase goods.

I do agree that Wrapit muddied the waters by seeking to claim that each couple could not get a refund, but they do allow each couple to seek redress in requiring provision of alternative goods or a voucher. This means that Wrapit admit liability to the couple at this point (but seem to o be trying to limit their liability to the provision of vouchers or goods instead - i.e. exactly the same things that all retailers do during sales periods where they will commonly say that they won't give money back for items purchased in a sale). It is a mistake to read this as saying that there is no liability. They do say they will refund a guest (but my guess is that they say this so that they can sit back and then try to force the guest to make a claim on their credit card instead). I don't believe that Wrapit are correct here as it does not fit with the other contractual terms read as a whole. Nor does it fit with their attempt to limit liability to guests from eh point of list closing - they can't have it both ways.

I would be very grateful if this analysis could be presented to the underwriters.

Hi Rosie,

yes we are having a problem with our insurers too who are saying they will not pay out, but I have heard others who are covered. i am slightly confused about this.

Liz

Interestingly, they also offered to refund us when we were following up with them about the status of our gift orders and had only received 50% of our gifts 6 months after closing our list. So despite their terms and conditions, they were offering to refund us directly rather than our guests, so some additional support for your analysis there.

Me too! Are you telling guests not to bother with refunds then? I really am at a loss to knwo what to do.

Action is needed

I just spoke to TPS again and he must have spoken to Alex earlier. He said that pressure is mounting although he thought it still unlikely they would change their policy.

HOWEVER he said all the emails he receives in regards to this are passed to the underwriters and the more he receives therefore the better our chance. I will be emailing him as Alex did this morning which he will pass to the underwriters. I suggest you do the same if you have apolicy with TPS.

His email is s.clemens@tpsltd.com (his name is Stuart).

I would appreciate if we can all put the same points forward as this is our best way to make them see the light.

Thanks
Rosie

I have Gold insurance with Confetti and phoned them today. I got the same story about the contract being with the guests so we cannot claim.

Rosie,

It was Stewart I talked to, and he was very nice and very helpful. Anyone else who has insurance claims handled by TPS (this is quite a few different insurers) please do give it a go.

NB for those of you not being handled by TPS, the underwriters that TPS uses may well still underwrite your policy. Please don' be afraid to make your point as I doubt the position differs among the various policies - the insurance market is very consolidated. We have to prove that we have a loss, and my argument is that it hinges on closing the list. See my earlier posts.

It's worth fighting even if ultimately it fails. There are arguments to be made. All insurers will try to avoid paying out unless they can see an obligation to pay in which case they will pay. It's down to us to prove the obligation.

Alex

We got married in May this year and had our insurance with Ecclesiastical, which I think came via M&S. I looked at our policy and it stated the period of cover was from the date we took out the policy until the day of the wedding, so assumed that we wouldn't be covered. Do people think it is worth contacting them regardless, as I see some people on this thread also got married some time ago? I'd appreciate any advice.

many thanks

I had my insurance with M&S and got married last July. I have just spoken to someone at M&S who were very helpful. It looks like you can claim for presents not bought by credit cards so do give them a ring. They reactivated my insurance and I have a claim number!

Caroline

I have just called TPS. They said that their position is clear and I should be careful about misleading info on websites! The technical department for wedding insurance is ringing me back but the claims person I spoke to said I would just be told the same thing she was telling me - that there is no claim to be made. I will also send an email to Stuart @ TPS as discussed below. I agree, the contract info is misleading but it does seem that once a list is closed a contract has been made between the couple and wrapit. However, the claims advisor on the phone said that if a company had gone into administration this argument doesn't matter as it is in administration so there is no contract - I also don't believe this to be true. She got very angry when I said that someone on the forum had received payment for non-delivery of goods earlier in the year - again blaming mis information - would the anonymous poster of this comment be able to give us any more details?

This sounds like bull**** from TPS. If your wedding reception venue had gone into administration, would they have tried to avoid liability? A company going into administration does not void all its contracts, otherwise it would magically have no creditors! It is true that you can't sue a company in administration for debts (as claims are teemporarily barred) and that the administrator may seek to terminate contracts, but to suggest that there is no contract becuase of teh administration is simply wrong. Do not accept answers such as this.