As we know, CD sales are dropping like flies in a house full of bugzappers, and services like iTunes can sometimes crash under the load of music downloaders. However, a new reason to stick with analog CD's has come to light: analog CD's are insured while digital copies of songs rarely are. If a fire or burglar were to snatch a computer full of music, chances are the actual owner of the PC would not be able to make a claim for that music.

The chances of a digital music collection getting lost/stolen/destroyed is about 24% in the UK, which would make backing up a music collection sound advice. Unfortunately, making a backup of any DRM-infested music is hardly worth the trouble, as you will not be able to listen to the backup copy anyways. And even if a backup did succeed, chances are that the backup would be destroyed/stolen with the original.

Fortunately for the future, the number of insurers covering digital property is increasing. While some insurers, such as Churchill Insurance, will cover up to £1,000 worth of music claimed "in good faith" (aka without a receipt), companies such as Zurich refuse to insure digital property at this time.