Home insurance Updated:
Music loving homeowners are at risk of losing hundreds of pounds worth of digital music because their home insurance does not cover the loss of downloaded material.
The warning comes after Which? found that a third of standard home insurance policies do not include any form of 'digital information' cover.
Direct Line, NFU Mutual and Privilege were revealed to offer up to £1,000 in 'digital information' cover, while Hiscox offers £2,500.
The research also found that four of the eight main download providers allow customers to re-download lost tracks.
As a result, those downloading from HMV Digital, Play.com, 7digital and Tesco Entertainment do not have to rely on their home insurance.
By contrast, iTunes states in its terms and conditions 'Products may be downloaded only once and cannot be replaced if lost for any reason.'
"It's surprising that, at a time when the popularity of digital downloads is soaring, insurers aren't offering music lovers the protection they need," said Which? chief executive, Peter Vicary Smith.
"People who buy a lot of digital music should double check their home insurance policy to make sure downloads are covered.
"If they're not, we'd recommend switching to a provider that has entered the digital age."
Over 100 million tracks are downloaded by UK music lovers each year, according to music industry statistics.
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