Insurers aren't keeping up on cover for downloaded photos, videos, and music - and some WON'T accept claims for computer viruses | WHAT REALLY HAPPENED


Insurers aren't keeping up on cover for downloaded photos, videos, and music - and some WON'T accept claims for computer viruses

What value would you place on the music, photos, and videos you've bought online and downloaded to your phone or computer? And if they were lost, if a virus infected your computer for example, would you be able to claim it back?

The majority of home insurance policies, while covering physical contents in a person's home, do not specify which digital products they cover, new research claims.

There is also a huge discrepancy between what's covered, the amount you can claim for them, and the policy exclusions.

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