The Most Bizarre Insurance Policies

The Most Bizarre Insurance Policies

From life insurance to international health insurance, we are all well aware of the standard insurance policies that are beneficial to all. However, you may be shocked to discover that insurance services extend far, far beyond the basics.



While you are busy looking for tax efficient relevant life cover or insurance for your next holiday, others are wondering what would happen if they were bitten by a vampire. In this post, we are going to take a look at ten of the most bizarre insurance policies. So, let’s get straight to it…

Vector of a fangs

Vampire / Werewolf Attack Insurance

If you fear a vampire or a werewolf attacking you in the night, the good news is that there is insurance in place to cover the costs of anything involved. Lloyds of London, who are known for their bizarre insurance policies, even cover a zombie apocalypse. So, if a vampire begins sucking the blood from your neck or a hairy werewolf attacks, at least you know someone is going to foot the bill for any damages.

Cold Feet Insurance

If you are worried that you could get any last minute jitters before getting married, you may want to cover yourself with cold feet insurance, which is offered by a US provider. In terms of benefits, you can opt to add counselling as an extra for your broken heart.

Immaculate Conception Insurance

As bizarre insurance policies go, this insurance plan is right up there. If you feel you could give birth to the second incarnation of Jesus Christ, then you can cover the costs with this insurance policy. Sounds crazy, right? Well, two sisters went ahead and started paying premiums for it. Apparently, the sisters wanted to make sure they were able to cover the cost of raising Christ. Needless to say, the company received a ton of complaints about the policy and have since rescinded the coverage.

Sports Fan Insurance

If your team constantly lingers at the bottom of the football tables, you may want to consider this insurance policy. In 2006, an English football fan took out an insurance policy that offered coverage for any severe trauma that could occur if England dropped out of the World Cup in the early rounds. The odds seemed likely if history was anything to go by, however, England made it to the quarter-finals, so he didn’t get a payout.

Lottery Winners’ Insurance

Wouldn’t it be brilliant if you got a payout for every time you didn’t win the lottery? We’d all be rich! Unfortunately, that is not what this policy for. In fact, lottery winners’ insurance is designed to protect any business owners that may lose staff because one of their employees has won the lottery. Therefore, it covers the cost of training new employees and hiring temps while they look for the ideal candidate.

Asteroid / Meteor Insurance

Every so often, people freak about the possibility of an asteroid striking the earth. Obviously, such a thing has never happened, yet there are instances when asteroids have got fairly close, and to be fair to this bizarre policy there is a possibility that such an incident can occur. However, the fact of the matter is that if this happens, there isn’t going to be anyone left to collect their insurance payout nor is there going to be any insurance business left that can pay out the coverage.

Vector of a ghost

Ghost Insurance

Are you worried that you could be disabled or killed by a ghost? If so, you can take out ghost insurance. This is what one hotel owner in England did. He was convinced that he saw a ghost in his bar and he was petrified, so he took out an insurance policy, which would pay out a monumental £1 million if he were hurt or killed by a ghost. But, how do you prove that a ghost did it?

So, if you fear severe trauma from your football team losing or you think you could be attacked by a vampire, then you will be pleased to know that you can take out an insurance policy to offer you the necessary protection. For the rest of us, we will just stick to the likes of car insurance, life insurance, and health insurance.

Fancy checking out another post? Just click here!

Pin It!

The Most Bizarre Insurance Policies

Written by

Leave a Reply