HMV looks to be trialling video games insurance in some of its retail stores, offering consumers the option of protecting their purchases for £1 for a year.

Customers who plump for the offer will get the assurance of a replacement disk if their copy is stolen, trampled by elephants, snapped by an angry girlfriend or spread with jam by an overenthusiastic toddler. Other retailers also offer a similar service, including GAME and Gamestation.

A spokesperson told games blog MCV: "At the moment the idea is just a trial, by way of affording further value and consumer protection to our customers. It follows a similar initiative in our Canadian chain, and we'll obviously be monitoring the response of our customers in order to decide if we make this a regular part of our offer or not".

Good idea or a waste of cash? Share your thoughts on the proposition below.