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It can prove quite a daunting task comparing different wedding insurance policies. To help alleviate some of the issues in shopping around, we have produced a range of policies to suit most people's budgets and requirements.

Here's a few points you might need to consider....

• You need to think about what the total cost of your wedding is and choose a level of cover that provides sufficient protection should the worst happen such as a member of the wedding party is taken seriously ill and you have to cancel the wedding altogether. The insure4less wedding policy provides $15,000 under Gold; $22,500 under Platinum and $30,000 under Diamond cover.
• The cost of rearranging your wedding can also be very high - make sure you choose the right level of cover.
• Wedding gifts with insure4less include cash and vouchers.
• Marquee cover - if you're planning on hiring a marquee then make sure you choose either Platinum or Diamond in case you damage it.
• Excesses - the first part of a claim that you have to pay. The insure4less excess is just $75.
  
  The following table compares the different policies offered by insure4less wedding insurance.
  
  

Should you protect your big day with wedding insurance?

Your big day should be perfect and worry free. There is no other single day in your life that is more carefully planned than your wedding. Unfortunately, however well you plan your wedding things can and do go wrong.

• Reception venues go out of business;
• Weddings have to be postponed or cancelled due to accidents and illness;
• Wedding dresses get damaged and photographs don't come out.

Wedding insurance makes sure that if anything goes wrong, you've got the means to put things right from the flowers to the photographs, from the cars to the cake.

You insure your car and your summer holidays which probably are less expensive and less important than your wedding day!

That's why more and more couples are making wedding insurance one of the first things they do when they start planning their wedding.

Insure your wedding today and have one less thing to worry about

There are countless ways the big day can be wrecked. One of the bridesmaids gets appendicitis, a plumbing problem floods the reception hall or guests end up eating baked beans on toast because the caterer mixed up his dates. Even more serious potential calamities lurk in today's tumultuous world. Airports closed because of terror alerts or virus scares could keep key wedding participants from arriving on time. And, several brides, and grooms have been shipped overseas to fulfill armed forces service obligations before they had a chance to go up the aisle. Such are the incidents for which wedding insurance was invented.

Expensive weddings mean costly concerns

Given how much money is spent on weddings (the average is more than $30,000), getting insurance is a no-brainer.

The average wedding costs as much as a down payment on a house. It's a major investment. It just makes sense to get insurance. Plus wedding insurance can do wonders for a bride's peace of mind, especially with the number of suppliers involved and the variety of issues that can't be controlled. Wedding insurance is a well-established product in the UK and the US but is relatively new in Australia.

Coverage typically includes wedding cancellation or postponement if a member of the bridal party dies, falls ill unexpectedly, is injured or can't come to the wedding because of armed forces service or the shutdown of commercial transportation. (Pre-existing medical conditions are excluded.)

It also will help pay for the getting the bridal party back together for new pictures if the photographer loses the film or it's damaged at the lab; new wedding rings if they're lost, and replacement of damaged, stolen or lost wedding gifts. Not surprisingly, getting 'cold feet' is not covered! If a bride or groom has a change of heart, the cost of the cancelled wedding comes out of his or her own pocket.

Wedding insurance is strongly recommended for the simple reason that you're dealing with a host of suppliers and there's a lot of money at stake. Plus, we live in a society in which people will sue for just about anything. When you look at the amount of money it costs, it's definitely worth considering. The big benefit is the peace of mind. But be sure to read the product disclosure document thoroughly to make sure it meets your needs.

Brides and grooms almost certainly will need liability coverage. Liability insurance covers you in the event of an accident or injury related to your wedding. Your wedding won't happen at most venues without liability coverage. If you want to get married at some very romantic place - an antebellum mansion, vineyard or Byron Bay hotel - you can bet you won't put a finger on the property without a policy covering things such as damage to the hall or an injury to a guest or staff member.

Click here for a wedding insurance quote

insure4less is a trading name of Online Insurance Brokers Pty Ltd (ABN 21095612276) AFS Licence No 241055 of PO Box 167, Scarborough, Qld 4020. Online Insurance Brokers Pty Ltd is an Australian Financial Services Licensee and is authorised by ASIC to issue, deal in and provide general advice on general insurance products.

The advice provided by insure4less is of a general nature only and does not take into account your financial situation, needs and/or objectives. You should read carefully the entire product disclosure statement to ensure that the policy is appropriate for you.