If you've got a large collection of downloaded music, ringtones or movies - check your insurance policy.
Teenagers, adults, and even grandparents have taken to the digital music revolution. But not New Zealand's insurance companies. Most say they don't cover music and other downloads if lost.
Many insurers need a kick up the pants to get them into the 21st century ... and fast.
Highlights of this report
The insurers' arguments
Why the insurance companies don't think they should cover downloads Read more
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