You won't be able to make a claim if you simply delete your downloads by mistake. Typically, digital download insurance will cover you if you lose your downloads because your device is damaged or stolen. This is where digital download insurance can be a good idea – we take you through what it covers and whether you need it. And while you might have insurance for the device you're using, this might not cover your downloads. You might not realise how much you've spent on digital downloads over time. You no longer need a physical copy when your smartphone can hold a catalogue of your music or films and your e-reader can store thousands of books. The way we buy music, books or films has changed.
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