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Mark founded MoneyMaxim in 2008, with the aim of delivering an impartial and independent service. Mark is a regular money saving expert in the press and writes regular news and articles for the MoneyMaxim news pages sharing his views on banking, personal insurance and the utilities (gas, electricity, mobile and home phones, broadband and pay TV) market with customers.
Consumers are at risk of losing hundreds of pounds worth of digital music if their home insurance policy does not cover it, a new study reveals.
If you download a lot of music and would lose a considerable amount of money if you lost it through a virus or burglary you should consider getting gadget insurance.
The study by Which? showed a third of leading home insurers' standard policies do not offer any form of digital information cover.
Over 100 million tracks are downloaded by UK music lovers each year, worth hundreds of pounds.
"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 Peter Vicary Smith, Which? chief executive.
"People who buy a lot of digital music should double check their home insurance policy to make sure downloads are covered.”
Budget and Esure do not cover downloads on their standard policy, while Direct Line and Privilege offer up to £1,000 in digital information cover.
Some download providers such as HMV Digital, Play.com and Tesco Entertainment allow customers to re-download lost tracks so consumers do not have to rely on their insurance. iTunes however only allows customers to download a track once.
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Many people download music and films for all their gadgets to listen and watch on the go, and this has become part of our modern routines.
If you have spent a lot of money on downloaded information it may be worth taking out separate gadget insurance for your electrical equipment.
Portable devices such as iPods, Tablets and Laptops are all at greater risk of damage and theft as we take them everywhere with us.
The right gadget insurance can provide you with the relevant cover, not only for your devices but also the music and films you have stored on them.
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