One of the main problems with the gradual transfer of content from physical media (CDs, DVDs, books) over to digital media (MP3s, movie downloads, e-books) is that when something happens to the devices storing your swag, you're basically out of luck -- most insurance companies will tell you to go take a hike. Well that's all about to change, according to a recent article in British newspaper The Independent, as insurers like Nationwide will now reimburse you for digital content stored on stolen or destroyed electronics as long as you can provide proof of purchase. Nationwide's even got your back for such seemingly trivial fare as games and ringtones downloaded to your cellphone, though its policies specifically state that if you lose your digital goods due to a wiped hard drive / memory card that's your own damn fault, and there'll be no reimbursement for you. Unfortunately some insurance companies -- like the cheapskates at esure -- seem dead set against the idea, claiming that owners of a stolen iPod still have the tracks on their PC and don't deserve digital coverage; well, while that may be true in cases of theft, esure's stance isn't very helpful for the unlucky individual whose house just burned down and whose DAPs and computers have all melted into the floorboards.

[Via Techdirt]

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Insurers starting to reimburse for digital content