This is because insurers are more comfortable paying for items that they know are genuinely lost, whereas it's much harder to verify if a digital download is. Some insurers might not even ask you if you want to insure digital items. It's worth noting that as most home insurance policies will not cover digital downloads as standard, this type of cover is likely to be more expensive. But most policies typically had a cover limit of between £500 and £1,000. A study by Gocompare in 2014 found that of the insurers that offer digital download insurance, the cover limit ranges from £150 to £10,000. The policy details can vary from insurers. However many insurance companies offer no digital download cover at all. Some home insurance policies can cover digital downloads. You may need to prove that you've purchased downloads from a legitimate source – so keep hold of any email invoices or card statements when you buy a download online.ĭigital download insurance is usually included in another policy. Most insurers will cover you for items that are commercially available (for example, anything you’ve bought from the iTunes Store or Google Play) and not illegally downloaded. You won't be able to make a claim if you simply delete your downloads by mistake.

Typically, digital download insurance will cover you if you lose your downloads because your device is damaged or stolen. This is where digital download insurance can be a good idea – we take you through what it covers and whether you need it. And while you might have insurance for the device you're using, this might not cover your downloads. You might not realise how much you've spent on digital downloads over time.

You no longer need a physical copy when your smartphone can hold a catalogue of your music or films and your e-reader can store thousands of books. The way we buy music, books or films has changed.

Movavi download insurance service