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Festival-goers are being urged to keep their receipts and bank statements in case they need to claim on their insurance this summer. Kara Gammell, insurance expert at , shared advice for music lovers attending gigs this summer, with major festivals like Glastonbury right around the corner.

Gammell explained that there are several common mistakes that could invalidate your insurance claim, should you need to make one. The expert said: "Leaving items unattended, delaying the reporting of a theft and lacking proof of ownership through receipts or bank statements could all invalidate an insurance claim."

She added: "As well as purchasing insurance to make sure you’re protected, only taking what you need and making use of festival lockers can reduce the risk of your valuables being damaged, lost or stolen." Personal possessions insurance often covers mobile phones, tablets, and cameras, but some items, including camping gear, could be excluded.

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Gammell said: "Personal possessions insurance is typically offered as an optional add-on to your home contents insurance, providing cover for loss, damage or theft of personal belongings when you're away from your home. To ensure you’re fully protected, it's important to keep an up-to-date inventory of the items you regularly carry with you and their total value."

She said it often covers:

• Mobile phones

• Laptops

• Tablets

• Cameras

• Wallets, purses, and handbags

• A limited amount of cash

• Jewellery

• Clothing

However, the specific items covered will vary by policy. Festival-goers taking electronics with them may wish to consider gadget insurance.

"If you’re planning on taking high value electronic items worth over £1,000, such as mobiles phones, cameras and equipment, smart watches or speakers - you may need to consider additional cover, depending on your policy’s single item limit," Gammell explained.

"Gadget insurance is a type of policy designed to protect these sorts of high-value items, covering the cost of replacing or repairing your devices if they get lost, stolen or damaged at a festival." She also said festival-goers should be aware that their insurance might not cover their camping gear.

"Standard personal belongings insurance policies generally exclude camping gear, although some policies or add-ons may offer specific coverage for camping equipment. Standard travel insurance policies often include cover for personal possessions, including a tent, but there are limitations," the expert explained.

"If you want more comprehensive coverage for your tent and camping gear, including potential damage from or other incidents, you might consider a specialist camping insurance policy."

Gammell's alert comes as over 200,000 people are expected to attend Glastonbury this June, with more major events including Reading and Leeds Festival, BST Hyde Park, and Wireless Festival planned for this summer.

Glastonbury 2025, which is the UK’s biggest music festival, runs from June 25 to June 29. This year's line-up includes Neil Young, The 1975, Olivia Rodrigo, and Rod Stewart.