6 weird insurance policies and why people get them
Everyone has something near and dear to their hearts that they want to protect. We’re not here to judge, because who can truly say what’s worthy of insuring? Like Aunt Betty’s antique knitting needles, your favourite nursery rhyme book, or your left elbow that you’re sure is going to be captured photographically for Vogue someday.
There’s no need to be embarrassed! We all have things precious to us and after looking at some of these kooky insurance policies, you’ll realise that you’re not alone. We’re going to look back at some of the strangest items and incidents that have ever been insured.
1. Santa Claus
The festive season is the most wonderful time of year, but as we all know, things can also get a little silly. Maybe that’s why Macy’s (a massive department store in America) decided to insure their ‘official’ Santa Claus against all manner of foul deeds and accidents.
2. The Loch Ness monster
This is a bit old, but it still exists! In the 70s, a whiskey maker (Cutty Sark) launched a competition that promised £1 million to anyone who could capture old Nessie alive. Just in case anyone actually captured the beast, they insured themselves against a £1 million payout. No one’s claimed the prize in the last 40 years, but it’s better to be safe than sorry.
3. Keith Richard’s middle finger
The Rolling Stones’ rocker doesn’t always seem to care about his body, given the years of hard partying he’s enjoyed. But he does have a soft spot for his guitar fingers. The middle finger alone has been insured for $1.5 million.
4. Multiple births in the canal
You’ve had all the scans, endured morning sickness, enjoyed masses of cake at the baby shower, and now it’s time to give birth. It’s expensive enough to bring 1 life into this world, never mind 2 or even 3. So, what would you do if the doctor told you to bear down a second time for another precious bundle? That’s where multiple-birth insurance, strange though it is, could help pick up the tab.
5. Alien abduction
There are some people who are willing to pay a monthly premium to insure themselves against alien abduction. If you can prove you were abducted, your policy could pay for medical care (probably psychiatric help) or a cash settlement for things like alien pregnancy, alien examination, and death caused by aliens.
6. Falling satellites
Falling space-junk is something that a few people are worried about. Well, more than few. Enough to warrant insurance policies. Essentially, you would be covered against space-junk falling on your property or yourself.
Weird or not, insurance is about peace of mind
Yes, these bizarre insurance policies are mostly good for a laugh and might even seem crazy to you… But insurance is partly about peace of mind and this looks different for everyone.
If you want some cray-cray insurance, then why not get in touch with King Price? The royal insurer has pioneered super cheap premiums for car insurance that decrease monthly (in line with the depreciating value of your car). Which is definitely crazy.
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Article Supplied By King Price Insurance