Saturday, July 7th 2007

Most insurance policies do not cover digital music

As we know, CD sales are dropping like flies in a house full of bugzappers, and services like iTunes can sometimes crash under the load of music downloaders. However, a new reason to stick with analog CD's has come to light: analog CD's are insured while digital copies of songs rarely are. If a fire or burglar were to snatch a computer full of music, chances are the actual owner of the PC would not be able to make a claim for that music.

The chances of a digital music collection getting lost/stolen/destroyed is about 24% in the UK, which would make backing up a music collection sound advice. Unfortunately, making a backup of any DRM-infested music is hardly worth the trouble, as you will not be able to listen to the backup copy anyways. And even if a backup did succeed, chances are that the backup would be destroyed/stolen with the original.

Fortunately for the future, the number of insurers covering digital property is increasing. While some insurers, such as Churchill Insurance, will cover up to £1,000 worth of music claimed "in good faith" (aka without a receipt), companies such as Zurich refuse to insure digital property at this time.Source: Reg Hardware
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17 Comments on Most insurance policies do not cover digital music

#1
Dippyskoodlez
I've got 4 copys of my library. iPod. Laptop HDD. Desktop HDD. Firewire Backup HDD.

Problem solved.

Because one is always on me :)
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#2
Easy Rhino
Linux Advocate
i never pay for mp3s. i like buying the actual CD.
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#3
TUngsten
by: Easy Rhino
i never pay for mp3s. i like buying the actual CD.
same here
mp3 quality is so poor it gives me a headache...
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#4
Atech
by: zekrahminator
DRM-infested
Hurrah for calling it what it is.
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#5
WarEagleAU
Bird of Prey
This is just a weird news story to say the least.
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#6
Nemesis881
by: TUngsten
same here
mp3 quality is so poor it gives me a headache...
Are you kidding? I still listen to my dad's old records from time to time :roll:.
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#7
Dippyskoodlez
by: WarEagleAU
This is just a weird news story to say the least.
Its something I'm sure most people don't consider.

But then again, that most people are probably the people that can/do/would just re-download it and the world still doesn't notice.
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#8
Jimmy 2004
I always buy CDs, but anyway, if you ask Apple they will just let you download the songs again - not sure about other companies.
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#9
jocksteeluk
you cant beat physically owning something although i do prefer to play Mp3's.
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#10
Bull Dog
analog CDs?

Erm...aren't they digital?
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#11
Dippyskoodlez
by: Bull Dog
analog CDs?

Erm...aren't they digital?
Who said anything about analog? :laugh:
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#12
Wile E
Power User
by: Dippyskoodlez
Who said anything about analog? :laugh:
Zek, the man with the master plan. lol.

by: zekrahminator
As However, a new reason to stick with analog CD's has come to light: analog CD's are insured while digital copies of songs rarely are.
I still say vinyl, ftw. But CDs work, too. The only way I will buy downloadable music, is if it's offered in .wav, or at very least, flac.
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#13
zekrahminator
McLovin
Analog is my special term, which, loosely translated, means "can be seen/felt/touched". For example, a brick is analog. A Q tip is analog. A CD is analog. An audio file is not :p.
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#14
Wile E
Power User
by: zekrahminator
Analog is my special term, which, loosely translated, means "can be seen/felt/touched". For example, a brick is analog. A Q tip is analog. A CD is analog. An audio file is not :p.
Tangible, perhaps? Only you Zek, only you. :laugh::toast:
Posted on Reply
#15
Atech
by: zekrahminator
Analog is my special term, which, loosely translated, means "can be seen/felt/touched". For example, a brick is analog. A Q tip is analog. A CD is analog. An audio file is not :p.
That's called "hardware" or, I suppose in this context "hard copy" :P Analogue means analogue, nothing else.

But then I guess you're just taking the piss anyway.
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#16
Jimmy 2004
Obviously the term "Compact Disk Digital Audio" has little meaning to some. :rolleyes:

Now vinyls, they're analogue.
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#17
Chewy
Another reson to back-up your files.. (thouhgt about it last yesterday actually) but than a back-up hd at home is still susceptible to house fires! lol.. well at least I could try and hid it from a burglar.
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