Do you know the value of your downloads – the games, films, and music you’ve got on your PC or laptop? Estimates put £1,000 on the value of a typical downloaded collection.

And now the key question. Is your download collection insured within your home and contents insurance policy? Many insurers will cover you for up to £2,500 for loss, theft and water damage - but cover can have restrictions.

Normally, the insurer will expect you to have backed up your collection or have a back up on a portable MP3 player. In this situation it would be easy to reload them without having to make a claim unless both your computer and the MP3 went missing or became damaged.

The insurers will rarely offer cover for computer failure and if you want to take your downloaded collection away from home, you’ll need to insure it under the personal possessions provisions of your policy.