The summer is almost upon us, which means that the festival season has arrived. The UK is spoilt for choice in terms of festivals, ranging from small local festivals featuring the best of the local talent, to the mammoth Glastonbury Festival where over 130,000 will gather to see the likes of Coldplay, U2 and Beyonce.
Those who are planning to go to any festivals this year are being warned that as well as making sure the essentials have been packed (sleeping bag, toilet paper, tent!), they should also make sure that they will be fully covered with a good insurance policy throughout the event.
Many experts have reinforced the importance of being on guard against opportunistic thieves. Festival goers will spend most of the day away from their tents to watch various bands and artists perform throughout the day. This means that tents will be left unguarded for hours at a time. Potential thieves could enter someone else’s tent and take something without anyone knowing, due to the difficulty of not knowing which tents people own. It is therefore invaluable for festival goers to ensure that their insurance policies will in fact cover them during the course of the festival they attend.
Many insurance policies state that if you need to make a claim, it’s vital that you report any lost or stolen items within 24 hours, as some policies may become void if policy holders fail to do this. Other insurance policies will not cover any items that have been left in a tent that doesn’t have a lock, so to avoid any hassle, it’s best to ensure all valuable items are kept with you at all times, keeping a vigilant eye out for potential pickpockets.
As well as having insurance to protect your valuables, those attending festivals also need to consider checking their car insurance if there is more than one driver on the way to the festival and back. Second driver cover may vary between insurers. This is important advice for festival goers, who mainly consist of young drivers and on average are more likely to have an accident. Breakdown cover is also worth checking, especially if you have to travel a great distance.
Even though many people don’t want to think about these things when they’ve bought their festival tickets, most experts say that it’s worth the hassle. Festivals are great experiences that can easily be ruined if you find that one of your valuables has been pick-pocketed and your insurance can’t cover it. Festivals are also very expensive, so extra costs which could have been avoided can be very annoying.
So to make sure you are fully covered on the policies you currently hold, check your home insurance can cover any valuable items you take away with you and also ensure your car insurance has breakdown cover and that any second drivers are also covered. Doing these simple checks shouldn’t take long and will put your mind at ease for the festival season, so your only worry will be finding the best place to stand that is close enough both to the stage and the beer tent!
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