With the average wedding costing a staggering £17,000, it is advisable to insure against disasters before the big day. With romance in the air, insurance isn’t really on many people’s minds however it is worth considering insurance cover against unforeseen circumstances.

All it takes is a single thing to deviate from your perfect wedding plan and your perfect day is ruined – wedding reception venues may catch fire or flood, or the photographer’s photos might not be quite up to scratch.

Wedding day insurance isn’t as much as you might think – and if your wedding is costing a lot of money, an extra couple of hundred to safeguard the day is not much in the overall scheme of things. However, before you go ahead and take out specialist insurance, it is worth checking your household contents insurance. Some household contents insurers will increase contents cover by a particular amount (normally around 10%) for one month before and after a wedding. Bear in mind that household contents won’t cover for cancellations or major problems with the wedding. Also remember after the wedding to adjust the level of cover with your insurer to ensure all your new wedding presents are covered.

There are a myriad of wedding insurers around so shop around before buying to ensure you get the best deal. Many cover civil partnership ceremonies as well as traditional weddings. Check carefully to see what is covered and what levels of compensation you can expect as these vary from provider to provider. You may wish to pay a little extra to have extra cover such as damage to a marquee or a higher limit on the cost of the wedding present, cake and flowers.

Another method of protecting yourself is to pay for your wedding using credit cards. If any of the suppliers go bust or goods or services aren’t delivered, you can claim back the money from the credit card lender.

Overall, it is worth looking into wedding insurance to enable you to have full peace of mind on your big day.

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