Wedding insurance is not as expensive as you think. For peace of mind I would recommend obtaining wedding insurance. Ideally you should get this at the start of your preparations as typically wedding insurance will only cover you from the date of inception and therefore if you have bought items prior to obtaining cover these may not be covered by the insurance. However in all cases you are advised to check with the policy terms.
Insurance can be obtained for as little as £20.00 but as always it would depend on the level of cover you require and premiums will increase accordingly.
It is important to check what exactly is covered. Most policies will have a quick summary which will indicate the most important points that are covered. For example most policies will not cover you if one of the parties voluntarily besides not go ahead with the wedding. Some policies will cover only the cost of things incurred, for example therefore if you are paying for an item on the day this may not be covered. Also watch out for only a percentage of costs being covered, for example only a percentage of the venue cost may be covered in the policy.
PaydayUK for money quick