World's craziest insurance policies you have ever come across

Jan27,2024

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Alien Abduction Insurance is one such policy that caters to those who genuinely fear extraterrestrial encounters. With at least three different agencies offering this type of coverage, it's not just a novelty; some policies have even resulted in payouts.

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Alien Abduction Insurance

Another bizarre policy is for Taste Bud Insurance, which was taken out by food critic Egon Ronay for $393,000, highlighting the critical nature of his palate to his profession.

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Taste Bud Insurance

Body Part Insurance is popular among celebrities and models, with Heidi Klum insuring her legs for $2.2 million and Gene Simmons insuring his iconic tongue for $1 million.

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Body Part Insurance

For those concerned about the supernatural, Ghost Insurance offers protection against damages caused by spirits, as evidenced by a British hotel owner who secured a £1 million policy after a ghost sighting on his property.

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Ghost Insurance

The list of oddities continues with Falling Sputnik Insurance, created during the panic following the launch of the Sputnik satellite in 1957, and Thailand Riot Insurance, which aimed to reassure tourists during political unrest in 2010.

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Falling Sputnik Insurance

"Cold Feet" Insurance, also known as "Change of Heart" insurance, provides financial recovery for expenses if a wedding is called off, though only an "innocent party financier" can claim it, not the bride or groom themselves.

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"Cold Feet" Insurance

Multiple Birth Insurance, or "twinsurance," is designed to assist parents with the unexpected costs associated with having twins or more, while Lottery Insurance protects business owners from the sudden loss of staff should they win the jackpot and resign en masse.

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Multiple Birth Insurance

Multiple Birth Insurance, or "twinsurance," is designed to assist parents with the unexpected costs associated with having twins or more, while Lottery Insurance protects business owners from the sudden loss of staff should they win the jackpot and resign en masse.

Credit: Google

Multiple Birth Insurance