Peace of mind - that’s the reason more and more couples are choosing to take out insurance on their wedding events.

And considering the amount a wedding can cost, it makes perfect sense.
The most difficult thing to plan for is the unexpected. And while no one wants to think about the caterer or florist who fails to turn up, it has been known.

The average policy can cost as little as £50, and is easy to arrange with many companies offering instant quotes on-line. But before you go pinning all your hopes on your insurer and not the actual suppliers, you should consider the fact that refunds for services you feel were sub-standard, or cancelling because either one of you suddenly gets cold feet, will never be covered.

Typical wedding insurance policies will include expenses for cancellation of such elements as your wedding cake, clothes hire, photography, stationery, transport, flowers, or actual loss of documents, luggage, gifts and even wedding rings.

There’s also cover available for personal accident, public liability, legal expenses, extreme weather conditions, and even professional counselling.
Always check the small print because there will be exceptions relating to known medical conditions, stress, lack of written confirmations from suppliers and a series of other issues.

Always report thefts immediately, and be careful - many companies require you pay an initial excess charge for every area of the wedding you claim against. Be sure to find out whether your chosen insurer does, and if so, how much.