Hi can someone explain how insurance works please Also do you have to...

I would ensure the amount you plan to spend. If something was to go wrong for example the venue goes into liquidation your insurance should cover the cost of this.

Hi I agree with the above answer :)

Hi, Insure for how much you would lose if you had to a) reschedule and b) if you had to cancel. So for example if you had to reschedule you can reuse dresses etc and rings (unless you had the dates engraved) but if you had to cancel you would lose everything you had spent. Don't forget to ensure that your insurance will include deposits already paid, and travel and accommodation for those people you are paying for. Note that most insurance does not cover the cost of flights (we are bringing family in and their flights are not covered).

When should you get insurance please xx

Most allow for 2 years in advance. I have yet found one over 2 years so I'm waiting to get mine sorted.

My insurance came with my bank account (cool perk) it covered things going wrong and thank God wasn't needed

Does anyone know if you can take out insurance if you have already booked

We went for a bit more than we planned to spend - reason being that if something like the photographer or venue cancelled there was a risk that the only replacement you could get at short notice would be more expensive.