We use cookies to provide you with a better experience. If you continue to use this site, we'll assume you're happy with this. Alternatively, click here to find out how to manage these cookies

hide cookie message
79,812 News Articles

Does your insurance policy cover digital downloads?

Web users store £1,200 worth of music & movies on their PC

Brits are being urged to back-up their digital music files after Moneysupermarket.com revealed that just three out of the UK's ten most popular insurance companies cover digital content.

According to research by the comparison website, on average Brits have around £1,200 worth of paid-for music and movie downloads on their PC. Four percent have more than £5,000 worth of content stored on home computers.

Are you digital downloads covered by your insurance policy?

"Whether it's Beyonce or The Beatles, people don't associate the same value to an MP3 player full of music as they do to a wall full of CDs or vinyl, but it is just as - if not more - valuable in terms of money, so people need to ensure they are appropriately insured," said Julie Owens, head of home insurance at moneysupermarket.com.

"Should you lose your downloaded content, some insurers will advise you to contact the site you purchased it from, however, the seller won't always agree to let you re-download your purchase so you need to check your policy covers this type of content.

Moneysupermarket.com advises web users to check their policy and either consider cover from a specialist digital content provider, such as Hiscox, or ensure you back-up your files on a regular basis.

See also: 10 billion songs download from iTunes

IDG UK Sites

45 Best Android games: top Android games for your smartphone or tablet in 2014 (24 are free!)

IDG UK Sites

How Apple, Adobe, Microsoft and others have let us down over UltraHD and hiDPI screens

IDG UK Sites

Do you have the X-Factor too? Mix Off app puts fans in the frame

IDG UK Sites

iPad Pro release date, rumours and leaked images - 12.9 screen 'coming in 2015'