Music fans planning a trip to a festival this summer are being urged to insure their gadgets such as digital cameras, phones, iPods and MP3 players before they leave for their trip as the accumulated cost of these items can run into hundreds, if not thousands of pounds. Top insurance experts say the best way to insure your mobile gadgets is to add them to an existing home insurance policy. Under the majority of buildings and contents insurance policies, policy holders can include extra items such as their mobile phone and iPod at a minimal extra charge which more often than not, works out cheaper than taking out a standalone insurance policy for these items. Another practical piece of advice to avoid losing your valuables while out and about this summer is to consider carefully exactly what you’ll need while you’re away – for example – you may love your iPad, but do you really need to take it camping? If you’re going to a music festival, can you leave your MP3 player at home seeing as there’ll be hundreds of live music acts at your event? A recent survey of students by Endsleigh found that all of those questioned planned to take their mobile phone with them when they attend an outdoor music event or festival over the summer. With the vast majority of festival goers all carrying a mobile phone to an event over the coming months, the chances of mobile phones going missing or stolen is high. To ensure you don’t lose out, make sure you have cover in place before you set off this summer.