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MP3 players and iPods 'left out' of insurance

21 December 2005
Music lovers should be aware that most home insurance policies do not cover iPods and MP3 players, a specialist insurer has said.

Hiscox says the collections carried on the music players are not insured either, meaning music fans with extensive collections could lose almost £800.

"Music fans stand to lose both their iPod or MP3 player and their music library if their player is stolen," said Kevin Kerridge, head of direct business at Hiscox.

"Unless their songs are backed up on a PC, the cost could be huge. For example an iPod Mini or Nano can store 1,000 songs which can cost 79p each to download. This means a full library could be worth up to £790," he added.

The inusurer says people should remember standard home contents insurance policies do not cover portabls electronic equipment like iPods and only have limited data reinstatement for home computers.

The music players are set to be at the top of Christmas wishlists across the country and Apple is expected to sell more than 9.4 million of them in the three months leading up to Christmas.

Online magazine Macworld says a quarter of its readers want iPods for Christmas.

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