iLounge

After years of covering music on CDs, records and tapes, insurers are now beginning to accept claims for digital music downloaded to iPods and other gadgets. “Nationwide has been the trail-blazer, including music and other entertainment downloads as standard in its home contents cover,” reports The Independent. “The building society argues—and a lot of iPod users would agree—that these virtual music collections count as family valuables, just like CDs and old LPs. Other insurers are considering a similar addition to their home contents cover… Nationwide’s cover is for any download—ringtones, games, films or music—wherever it is held, be that a phone, PC, laptop or music player. The important point is that the owner will have to prove they have paid for the download.”