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When it comes to our music, videos and video games, we are digital course. According to new research by the insurer Swiftcover we spend 700 million pounds per year on downloads, with two million UK adults admitting to spend at least ￡ 100 per year on their.

But, if you do not have the CD or the original DVD in your possession, how safe are your downloads from theft or accidents? here are five ways to protect your expensive collections.

You may not think you're a great Downloader, but you may be surprised by what you trouvez.Vous might well have years of games software, movies or computer downloaded to your computer without physical copies for the sauvegarder.Si each album music you own has been downloaded at a cost of ￡ 7.99 or more, the value of your library can quickly mount up to.

2. Check the small print

If you have downloaded your software, music or film once, it is easy to think that you could simply download free again if your computer has lost the file or has been stolen or détruit.Cependant, this is probably not the cas.iTunes only allows you to download music a fois.Si you need you all once more to pay. Amazon has the same policy.

When you buy new music, check that the transaction is if it gets lost or stolen.

3 Make a back-up

The best way to ensure that you do not lose your entire digital library is back up.The simplest to do this is to use an external hard drive.You can use these to store all your photos, too - are not only useful, but irreplaceable if the computer gets stolen or damaged.

Don't forget to save your external hard disk separate from the computer, if the two could be lost or stolen at the same time.

4 Check your insurance coverage

You may think that your downloads will be covered as part of your home insurance, but would not cas.Une handle only the most popular insurers include digital in their policies standards.Halifax, LV and Hiscox; whereas Swiftcover has launched a new policy which covers 500 pounds of téléchargements.Vérifiez downloads small characters, the amount of coverage you have, and it is an appropriate value for your collection.

"Although some download sites may allow you to download a certain amount of content, the cost of replacing your whole collection may be an unnecessary expense," said James Barclay, home Swiftcover Manager subscription.

It is estimated that more than 40 per cent of downloads is not insured.

5 Keep your receipts

If your computer is stolen and you need to make a claim for insurance for downloads, it can be difficult to prove that you had on your disk dur.La most sales sites will send you a receipt via email you may use to prove that you had bought the download.

If you keep these on a web-based e-mail service, they should always be available if your computer is missing.

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