Esure has found the answer for forgetful folk who never have those policy documents to hand at that vital moment - they now just need to remember their MP3 players.

It is the first insurer to create a recording for download. It is 90 seconds longer than Queen's rendition of Bohemian Rhapsody and contains all useful car and travel insurance policy information.

The track has been compressed to occupy the same space as an MP3 of Kylie's Can't get you out of my head'- but perhaps with not quite so catchy lyrics.

Backchat wonders if customers will consider the revolutionary idea

Kind of Magic or completely Radio Ga Ga.