dreamsaver insurance

Hello hitchers. I need to get wedding insurance and want to go with dreamsaver, however, do I really need to go for the increased personal and public liability cover. My wedding is next sept and is only costing £7000 in total (excluding honeymoon). Its being held at a hotel both the ceremony and reception. Was going to go for the gold cover which is £33, however when i add the optional increased public liability cover it jumps to £49, and then again to £95 when i add optional personel liability cover. can anyone who has taken insuarance with them let me kow what they have done xx