We all have (or should have) things like health insurance, car insurance, house insurance, and life insurance, but what if you want a little something more? Say you’re a world-class sommelier and want to protect your sense of smell. Can you take out an insurance policy on your sense of smell?
It’s hard to say if that would be possible, and you’d definitely have to talk to an insurance provider, but stranger things have happened. There are always rumours flying around about some of the strangest insurance claims, but there are always things that take the cake. In that spirit, we’ve assembled 10 of the most extraordinary things ever insured.
1. Legs for Days
When you’re a celebrity, you really can have it all. David Beckham insured his legs for a total of $70 million, and Heidi Klum, Germany’s supermodel, actress, singer, and reality TV host, had her legs insured by Lloyd’s of London for a reported $2.2 million. She’s not the only actress who has insured her legs: 20th Century Fox also had Betty Grables’ legs insured in the 1940s, for a staggering $1 million each (equivalent to about $1 billion in today’s money…each).
2. Insurance Against Alien Abduction
No, this isn’t an episode of The X-Files. If you’re terrified of getting abducted by aliens, you can take out an insurance policy against close encounters of the fourth kind, with higher payouts available for frequent abductees.
3. Bruce Springsteen’s Voice Insurance
The Boss obviously makes a living off of his voice, so it makes a certain kind of sense that he would want to be protected in case anything happens to it. He apparently would see a payout of $6 million if anything should happen to his voice. Not too shabby for a boy from New Jersey.
4. Lottery Winners
Unfortunately, you can’t seem to get insurance for winning the lottery, but employers in the UK do have the ability to take out insurance in case two of their employees quit because they won the lottery. The only stipulation is that both employees have to win enough to quit during the same drawing. What are the chances of that?
5. Zombie Apocalypse Insurance
Most insurance and warranty policies don’t cover apocalyptic problems, but according to PropertyCasualty360, it seems to be that at least one company in the UK is issuing an insurance policy for a potential zombie apocalypse “and the associated cleaning costs.” Just because everyone you love has turned into the walking dead, doesn’t mean you have to live in squalor.
6. Keith Richards’ Middle Finger
The Rolling Stones guitarist insured his middle finger for $1.6 million. Not the whole hand. Just the finger. It should be in case he can’t play guitar anymore, but he has given the world the finger many times.
7. Santa’s Beard
Most mall Santas wear fake beards for the holiday season. Not the Santa at Macy’s, though. And Macy made sure to insure their professional Santa’s beard, probably to make sure the holiday spirit lasts all year long.
Santa’s isn’t the only hair to be insured, however. Tom Jones has reportedly insured his famous chest hair for $7 million, though his team denies the rumour.
8. Finding the Loch Ness Monster
Nessie has long been a source of speculation. Is she real? Is she not real? Well, one company took out an insurance policy to find out the truth. In 1971, Scotch distillers Cutty Stark issued a £1 million reward to anyone who could find the Loch Ness Monster alive and well. To help protect themselves in case someone did find her alive, they took out an insurance policy to help pay the reward.
9. Laughter Insurance
Want to ensure a lot of laughs? In the 1900s, Lloyd’s of London had a $1 million insurance policy in place for film-goers who literally died of laughter. American comedian Rich Hall has also apparently insured himself in case he loses his sense of humour. They say laughter is the best medicine, but is this really what they mean?
10. Taste buds
We’re huge fans of our morning coffee, but chief coffee taster for Costa Coffee has taken it to a whole new level. In 2009, he had his taste buds insured for $16 million so that he could keep tasting everyone’s favourite caffeinated beverage. And to think that we risk our taste buds every morning by burning our tongue because we’re too impatient for our coffee to cool down.
At QuoteSearcher, we deal with niche insurance (although perhaps not quite so niche as the examples above), and we work with a panel of specialist insurance brokers who work hard to offer competitive quotes on a wide range of insurance, from taxi and motor trade to horsebox and motorhome. Fill out out form today and we’ll arrange a call back from a panel of dedicated insurance brokers.