So if you are one of the couples who plan to spend a small fortune for your big upcoming celebration, it may make sense to take out wedding insurance as a way of guarding against the things you can't control- so take a look at the most frequently asked questions about wedding insurance below.

What is Wedding Insurance?
A policy that covers you financially if something ruins your big day or if it has to be cancelled or postponed.

Do you need it?
This will all depend on how much you will be spending on your wedding and whether you believe you need added protection over and above any existing cover you may already have. It all comes down to how much you tend to stress, insurance can help you sleep a little easier and allows you peace of mind during an inevitably stressful time. You obviously want to avoid your reception venue being doubled-booked or the wedding cake being dropped, so check with your household insurance policy as they may have some provisions for weddings or allow you to extend your cover for a wedding. This could also work out more cost-effective than standalone wedding insurance.

As you know all policies are different, although most of them cover the cancellation or rearrangement of a wedding or reception due to an accident or illness within the main wedding party or when a service providers goes out of business. Your insurance would most probably cover loss or damage to the wedding attire, presents, personal and legal expenses.

How do you choose a policy?
We suggest that you make a spreadsheet and price each wedding item you wish to insure, then find a policy that will cover everything on your list at the right amount you've decided on, or close to it.

How do you claim your insurance?
If disaster happens to ring on your door, make sure you have your policy number on hand. Stake your claim as soon as possible – you only have a matter of days to inform the insurers, usually 30 days after the event. But don't leave anything to the last minute!