With the headline acts for the various festivals being announced, many will be planning their trips to Glastonbury, the Isle of Wight and the like. Insuring your possessions is probably the last thing on your mind as you make sure have your tickets, the tent – and enough beer to keep you happy!
However, year on year there are horror stories of thieves removing entire tents full of contents – using the tent itself as a sort of ‘swag bag’! Statistics indicate that a whopping 12% of festival goers have their belongings stolen whilst a festival. Festival tents are left unattended for hours at a time with little or no way to secure them. It can be difficult to keep all your expensive items with you at all times – and if you do find that your items are stolen, having spent a little on insurance will avoid the inconvenience and upset an uninsured theft can cause.
So, would you be covered for such losses by your home contents insurance, or would you need to take out a separate policy? Well, given the fact that many festival-goers will take smartphones, cameras and possibly even tablet PCs along to the festival, it makes the average value of a person’s possessions at a festival worth over £1,200. However, 79% of people asked responded that they felt mobile phone and gadget insurance is a waste of money – and they may well have a point as you may well be covered (or could get yourself covered) under the terms of your home and contents insurance.
There is a chance that you are already covered under the terms of your home insurance policy for items that are damaged, lost or stolen when away from home – and even if you are not, cover can be tagged for a small additional cost.
If travelling abroad to a festival, make sure you have adequate travel insurance against lost or stolen luggage, flight cancellation and medical expenses. Make sure you also have a valid European Health Insurance Card as this lets you get state healthcare at a reduced cost, or sometimes free.
You may need to consider breakdown insurance as you really do not want to be stranded on the side of the road watching other festival goes whizz past to secure the best pitches!
A few things to remember to make your festival experience a happy one: