The Fixer: Festival protection needed

The Fixer logo%VIRTUAL-SkimlinksPromo%Have you been left out of pocket due to poor service or sharp practice? Do you have a money question that needs answering?

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Dear Fixer,
I am going to my first ever music festival in a couple of weeks with a group of friends. I am very excited about seeing some of my favourite groups and can't wait to get there.

However, my older sister had her valuables stolen from her tent at Glastonbury a few years ago, and so I am worried about the same thing happening to me.

Is there any way to get insurance so that my things will be replaced if they do get stolen?

I am planning to keep valuable items on me, but I know that I could still have my bag snatched, for example. Can you help me to set my mind at rest so that I can enjoy the weekend? Thank you!

K Francis, Manchester

Dear Miss Francis,

Festivals can be fantastic fun. But you are right to be concerned about your valuables.

Research shows that with two thirds of festival goers taking digital cameras and 57% planning to pack their smartphones, just the electronic gadgets taken to festivals by Britons this summer will be worth a staggering £8 billion.

And while most festival goers are there for the music and (hopefully) the sunshine, a small percentage are unfortunately there to try to separate you from your belongings.

If the weather turns nasty or you fail to zip up your pocket after using your mobile phone, for example, it is also easy for your things to end up lost or damaged.

The good news, however, is that you may be insured on your home contents insurance - and even if you are not, you should be able to pay a relatively small amount to have personal possessions cover, which insures your belongings against theft, loss or damage while away from the home, to the policy.

Other options include taking out gadget insurance, which starts at just a few pounds a month and protects electronic gadgets such as smartphones, tablet computers and digital cameras.

Either way, be sure to keep any valuables on you or in a locked rucksack and to report any loss or theft to the police within 24 hours to ensure your claim is not rejected. And have a great time!

The Fixer

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