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Festival fun and excitement - but beware the dangers

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:

  • Don’t take expensive clothing or jewellery, you really won’t need them! Consider taking an old mobile phone to keep in touch – and a disposable camera is a good option
  • If anything is lost or stolen, report it to the police within 24 hours and obtain a crime number., many insurance policies require this
  • Check your ‘single article’ limits – the maximum an insurer will pay out for a single item – usually around £1,000 - £1,500
  • Keep your most valuable items with you at all times and don’t be tempted to leave them in the tent
  • Only take as much money as you will need and try to keep it in a few different places. Separate your cash from any debit or credit cards you take
  • Stick together in groups to make yourself a less likely target for muggers and thieves, and beware of being ‘watched’
  • Keep valuable in the bottom of your sleeping bag at night
  • Don’t pitch your tent at the bottom of a hill as rainwater (and much, much worse) could stream into your tent
  • Check to see if your credit card offers cover against accommodation, travel or even festival cancellation
  • Enjoy the event, wish for sunshine, no floods – and stay safe

Contact Westhill Insurance Services, today.

Posted on 9th June, 2014