There's a nice article in The Big Issue this week about insurance companies attitudes to digital music. If you get your iPod or other MP3 player stolen, then don't expect your insurance company to replace the vast digital music collection you've built up on it. Basically, most people will "never have thought about how they would prove the financial value of their digital music collection if it became necessary."
Norwich Union replaced 36 iPods between January and September 2004. For the same period this year it was 1721. An insurance company manager offers the sound advice that people should keep a record of their online music purchases. But I doubt many people will be bothered enough to do so, particularly if their practice is to buy single tracks at 70p each.
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