Save Our Songs

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Cover digital music downloads, Computing Which? urges insurers.

Refusing to cover digital downloads is behind the times, says Computing Which? magazine.

In an investigation of 46 insurance providers, Computing Which? found less than half provided cover for music and other digital downloads.

None at all protected downloads in the event of hardware or mechanical failure - so if a computer is hit by a virus, or the hard drive fails, there is no possibility of making a claim.

Many insurers seemed confused about downloads. For example, staff at Tesco Personal Finance were unfamiliar with the area, while at MoreThan the policy wording didn't reflect the fact that digital downloads were, in fact, covered.

On a positive note, those companies that are keeping up with the times insure a wide range of digital content including music videos, TV programmes, films, games and even mobile phone ring tones.

Abigail Waraker, Editor, Computing Which? magazine, says, "Downloading music online is widely accepted now as being the easiest and most convenient way to buy music. Music lovers know it, the music companies know it - but it seems insurance companies are determined to stay behind the times.

"We'd like to see insurance companies make their way to the top of the charts by providing full cover for all digital content".

Computing Which? is a subscription-only computing magazine published 6 times a year by Which? For details on how to receive 2 issues of Computing Which? for £3 telephone 01992 822800 or visit which.co.uk.

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