Insurers get in tune with the iPod generation

[Chris]

For millions of consumers, music downloads are replacing CDs and - for those dinosaurs who just can't let go - vinyl as the way they like to listen to tracks by their favourite bands.

But what if your treasured collection is destroyed by fire or flood or carted off by the local cat burglar? You can claim on your insurance for records, tapes and CDs but, at least until recently, any compensation request for lost music downloads will have fallen on deaf ears.

And a similar attitude will have applied to any claims for cash to replace lost games, ringtones and films.

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