As with all insurance, read the small print carefully before you buy in order to fully understand the level of cover.

Flexibility, yes, you can change levels of cover, selected periods.

Make sure you have the correct level of cover in place.

So what you actually do, is have a higher level of cover but for a shorter selected period, to fit in with your circumstances.

Most insurers offer extra levels of cover beyond the basic legal requirement.

Wedding insurance 'can cost between around $150 and $1,000 depending on the level of cover required.

Seek independent financial advice to make sure you get the right policies and a suitable level of cover.

This service offers different levels of cover against loss or damage according to the fee paid.

Would she have continued a different level of cover?

Decide on the level of cover you would like against each risk you have identified.