With every new piece of technology it seems there's some shyster wanting to take advantage of the ignorant. Here's another example of a company cashing in on the unsuspecting.

Here's what they advertise as one of the key benefits of their insurance,

MP3 Player & music downloads - other insurers will cover the cost of a replacement MP3 player, but we'll even cover the music you've paid for and downloaded (subject to certain conditions). How's that for music to your ears?

Let's try and figure a scenario where this could ever apply.

• If the music has been downloaded illegally then regardless of how many songs you had none of them will be covered.
  


• If you copied them from your own original CD's then the CD's would be covered if lost in a fire or they were stolen, but this has no effect on the downloaded music.
  


• If you purchased the downloaded music from a reputable online music store such as Apple's iTunes then these would all still be available by logging in via your computer or another computer connected to the internet.
  


• If you didn't purchase the downloaded music from a reputable online music store you probably couldn't prove that you had it anyway, therefore a claim would be disallowed.
  

In reality, there is no circumstance where this feature would ever be of benefit and you would never be able to successfully make claim for it.

A tip for young players: Weigh each insurance policy up evenly by removing features that are unrealistic.

Source: Kwik-Fit Insurance