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Civil Partnership Insurance?

Should I take some out and if so where is best?

We're paying out for the ceremony in a town hall, so would lose that money if had to cancel.

The daytime and nighttime receptions are in a hotel (price all in) and they said they have insurance and if anything bad happened they would cover it all, it wouldn't only be if we had to cancel.

So basically probably only need insurance due to cancellation, as already have suits, making cake and decorations etc

Thoughts?
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