Its own research suggests that less than half of the insurance companies it polled will cover the loss of music, video, and other downloads due to virus or hard drive failure.
“Downloading music online is widely accepted now as being the 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,” said Abigail Waraker of Which?
Which?’s advice is for consumers to keep receipts for digital downloads purchased, make regular backups of the hard drive, and to check with their insurance company to see whether they’re covered.
Some companies will allow you to download content you’ve already purchased again, should you lose it, but many – including iTunes – don’t.
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