What is the most unusual insurance policy you know of? Auto insurance, home insurance, and life insurance are standard, but what unusual policies do you know of? Logically, if you have to guess, you might pick policies like tornado insurance, terrorism insurance, and probably specific-item insurance, e.g., for family heirlooms. However, you couldn’t be further from the truth! If you really want to know the oddest insurance policies, you need to think weirder. We’ve looked through the insurance archives to find the weirdest and craziest insurance policies out there, and no, this is not an April Fool’s joke.
Alien Abduction Insurance
If you have ever worried about ET landing his UFO in your backyard and abducting you, don’t fret! This is a perfect situation where alien abduction insurance comes into play. There are a surprising number of alien-abduction policies that have been adopted around the world. In fact, there are roughly 33,000! However, if you’re less worried about being abducted and more worried about alien damage, perhaps a UFO damage insurance policy might be right for you. However, it’s the aliens who’ll need insurance if they damage your property!
Lottery Insurance
When it comes to winning the lottery, the odds aren’t really in your favour. However, if the day arrives when you hit the jackpot and decide to quit your office job, it will put your boss in a tricky situation. Luckily, if you’re a business owner, this is where unusual insurance policies come into play. This is where lottery insurance comes into play. Lottery insurance helps a business owner if, by chance, one of their employees unexpectedly quits due to lottery winnings. Though not popular throughout North America, many businesses in the United Kingdom use this as a safety net!
Virgin Birth Insurance
Are you concerned that you might become pregnant through immaculate conception? Then, you’re in luck! When it comes to unusual insurance policies, a virgin birth insurance policy is for you. There are currently four different people with this policy. Three nuns and a woman were concerned that the year 2000 would trigger her pregnancy. So far, there have been no payouts.
Zombie Apocalypse Insurance
If a zombie virus breaks out (and you don’t succumb to it), who is going to pay for the cleanup? Alright, this is admittedly one of the silliest insurance policies we’ve heard of, but there is coverage for it nonetheless. If the zombie apocalypse happens, money to pay for repairs will be the least of your worries. That being said, a UK insurance company offers a policy for such coverage if you really do want it.
Cold Feet Insurance
We’re not talking about body parts, we’re talking weddings! A while back, cold feet insurance was one of the most unusual insurance policies that regular people could invest in. However, it has oddly enough become a lot more mainstream in recent years! You’re ready to get married, your venue is booked, and the food is catered. However, at the last minute, you or your significant other backs out. We all know how expensive a wedding can be, and without wedding insurance, this can be a major loss for both parties. Especially if one decides to bail at the last minute, this policy may not be so unusual after all!
Ghost Insurance
We’ve all heard of the term “ghost policy” within the insurance world. This refers to a business attempting to avoid proper workers’ compensation coverage. However, many insurance companies worldwide actually have “ghost insurance.” Yes, this does indeed mean what you think! Definitely on the spookier side of unusual insurance policies, this coverage covers damages or injuries caused by actual spirits. This may sound bogus, but one British hotel owner actually took out a 1 million pound policy after an alleged ghost sighting on his hotel’s property.
Body Part Insurance
When it comes to actors, singers and performers, they get paid big money to do what they do! In many cases, this results in them ensuring the assets (or body parts) that are vital in their careers. Many celebrities have actually gone to great lengths to ensure body parts that make them uniquely them—from Bruce Springsteen insuring his voice for $6 million to Rod Stewart insuring his for $15.5 million! Heidi Klum insured her legs for $2.2 million, Keith Richards insured his middle finger for $1.6 million, JLO has a $28 million insurance policy for her famous booty, and Gene Simmons insured his iconic tongue for $1 million! It’s safe to say some celebrities are no strangers to unusual insurance policies.
Lloyd’s of London Taste Bud Insurance
Professional food tasters and sommeliers sometimes ensure their taste buds are in top condition. At one point, a Dutch wine taster reportedly insured his nose and palate for millions. If illness, injury, or accident damaged their ability to taste, it could end their career — so this policy protects their livelihood. For chefs, coffee tasters, and perfumers, this coverage isn’t as bizarre as it sounds. When your senses are your income, they become insurable assets.
Change of Weather Insurance
Outdoor events like concerts, festivals, and sporting events can purchase weather insurance. If rainfall, snow, or extreme temperatures reduce attendance below a certain level, the policy pays out to offset lost revenue. Major outdoor events and even film productions sometimes use this coverage to protect their investment.
Hole-in-One Insurance
Ever wonder how car dealerships, golf tournaments, or charity events can afford to give away a car for a hole-in-one prize? They use hole-in-one insurance. If an amateur golfer sinks a hole-in-one during a sponsored event, the insurer pays for the prize — not the business hosting the event. The odds are low, but the marketing buzz is high. It’s a calculated risk that turns into a smart promotional strategy.
Haunted House Insurance
Similar to ghost insurance — but more business-focused — some attractions that market themselves as “haunted” have taken out policies in case a visitor claims emotional distress or supernatural injury. Whether spirits exist or not, liability claims certainly do!
Weird Insurance Policies: Conclusion
While alien invasions, zombie outbreaks, and ghost sightings make for entertaining insurance stories, they all highlight one important truth: if something poses a financial risk, there’s probably an insurance policy for it. From specialty coverage at places like Lloyd’s of London to promotional policies and celebrity body-part protection, the insurance world is far more creative than most people realize.
At isure, we may not offer alien-abduction or zombie-apocalypse insurance — but we do specialize in protecting the things that matter most in real life. Whether it’s auto insurance, home insurance, tenant coverage, or home-based business protection, our team is here to help you find practical coverage that fits your lifestyle and budget.
While the weird policies make headlines, the right everyday insurance policy is what truly protects your future. Have questions about your coverage? We’re always here to help.
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