Short answer
A force majeure clause is a contract term that releases both you and the supplier from their duties if an extraordinary event beyond anyone's control stops the wedding, such as a flood, fire, or government lockdown. It usually means no refund is due.
A force majeure clause, sometimes called an act of God clause, covers events that are unexpected, unavoidable, and outside either party's control. Examples include severe weather, natural disasters, a sudden change in law, or a pandemic-related restriction. It does not cover ordinary problems like a supplier being ill, a car breaking down, or a venue double-booking, because those are within a supplier's control to manage.
If the clause is triggered, the contract usually ends or is suspended, and neither side has to pay damages. That means you may lose your deposit, and the supplier does not have to provide the service. Some clauses say the supplier must try to offer an alternative date or a credit note, but they are not obliged to refund. Read the clause carefully before you sign. Look for what events are listed, whether it mentions epidemics or government restrictions, and what happens to your money. If the clause is vague, ask the supplier to clarify in writing.
If there is no force majeure clause, the usual contract rules apply, and the supplier may still be expected to perform or refund you if they cannot. But if the event is truly extraordinary, the law can be complicated. If you are unsure, ask the supplier to explain their policy, and consider taking out wedding insurance that covers cancellation for such events. You can also check GOV.UK for general consumer rights, but every contract is different.
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