Insuring the Unusual: Policies That Make You Go ‘Huh?’
We’ve heard about insurance policies about cars, houses, and lives, but what about policies for aliens, insuring body parts, or even ghosts? Yup, they definitely exist…
Spooksafe: Paranormal Insurance
For fantasy lovers, my personal favourite is Spooksafe.
It provides coverage for death, injury, and property damage caused by the paranormal. And it’s not just ghosts, it includes creatures like werewolves and vampires!
It covers costs ranging from psychological trauma to actually being turned into a vampire or werewolf. But of course, you would need proof.
So… Who you gonna call? Ghostbusters!
Unfortunately, the company that provided this coverage, Ultraviolet, has vanished from existence. The ghosts got to them.
Other companies do provide coverage for the paranormal though, in case you ever plan on becoming a ghostbuster.
Million-Dollar Body Parts
Ever heard the phrase ‘Million-dollar smile’?
American actress America Ferrera insured her teeth and gums for a jaw-dropping $10 million.
Plenty of other celebrities have insured parts of their bodies too:
- Taylor Swift insured her legs.
- Keith Richards insured his finger (just one finger, worth around $1.6 million).
- Merv Hughes insured his mustache.
Why his mustache? Because it’s iconic.
Alien Abduction Policies
Life got you thinking about moving to another planet or being abducted by aliens anytime soon?
Be sure to take out an alien abduction policy (note: it doesn’t cover moving to a different planet).
Coverage includes:
- Outpatient psychiatric care
- Coverage for mockery or sarcasm from immediate family members following the abduction
Fun fact: The Saint Lawrence Agency, a provider of this policy, once paid out a claim of $1 per year for 10 years before the victim disappeared. He probably got abducted by the aliens again.
Other Bizarre Policies
These are not the only ones. Got cold feet on your wedding day?
Raining coconuts lately?
Or even afraid laughing too much will be the death of you?
Don’t worry… there are policies for them all.
Final Thought
As Master Oogway once said:
“Quit, don’t quit… Noodles, don’t noodles… You are too concerned about what was and what will be. Just insure anything and everything, and let insurers worry about the rest.”
Author
Shruti Patel
