Downloads may not be covered by home insurance

Fri, 03 Oct 2008

Downloaded music or movies may not be covered by home insurance, warns Virgin Money .

Music and movie fans are being urged to keep track of their collections which might not be covered if a computer or laptop were to be stolen. Since online stores were launched in 2004, over 200 million legal music downloads have been sold in the UK digital purchases now account for 85 per cent of the Top 20 singles sales .

However, not all household and contents insurance will pay out for downloaded tracks. Grant Bather, spokesman at Virgin Money, said: "More and more people are choosing to download music and films and as such, their computer will have a lot of information on it that if stolen, could be lost forever.

He added that a number of artists have released their music online and it is evident that over the coming years artists will be exploiting the internet as a way to release their tracks.
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