The 10 Strangest Things Ever Insured

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When you think about insurance, you probably think about car insurance, or house insurance, or other things that are practical and, well, normal. But I bet you don’t think about what would happen if you were to become a werewolf or vampire, or other related bizarre scenarios. But if you want to know what it’s like to spend the day thinking about these things, look up or call Lloyd’s of London, who regularly does insure some rather bizarre situations, indeed. Here are ten things that they have insured, believe it or not:

10. Death occurring by a falling coconut
In 1984, there was an article published about what would happen if you got hit by a falling coconut and died. He said that 150 people per year die this way. After that, many people cut down their coconut trees, and Club Direct, a travel company, actually set up insurance to this account.

9. The Loch Ness, the great Monster
In the 1970s, apparently the Loch Ness Monster was spotted, and a reward was offered for its return to its native environment, in safety and away from people. There was actually a policy filed against finding this creature, and there were some stipulations (it had to be less than 40 feet long), and yet no one found it.

8. Hair
So much famous hair has been insured! Everything from Santa’s beard to chest hair to famous locks on models. There’s actually a policy against the loss of chest hair. Can you believe that? A professional Santa has his beard insured because he regularly seats celebrities on his lap during the holidays, too.

7. Aliens, vampires, werewolves
60,000 policies have been filed against alien abduction, becoming a werewolf, or being taken captive by a bloodthirsty vampire. Did you know that Shirley MacLaine has taken out insurance of this kind? Are you surprised?

6. Legs and breasts
Did you know that Dolly Parton’s breasts are insured for $600,000? And in the ’80s, Madonna insured her breasts for over $2 million! Mariah Carey has held “leg insurance” for up to $1.2 million, and other patrons of this type of insurance include football stars and dancers, the people who make most use of their bodies.

5. Lottery winners insurance
If you’re a company, you can take out insurance based on the fact that someone who works for you may win the lottery and leave you half-mast one day. The odds may be long, but this is a real insurance that people feel the need to take out!

4. Tongues
If you are a famous restaurant critic, you might need to insure your tongue for several hundred thousand dollars. And if you’re a coffee tasting queen, you could insure for over a million or more. And of course, Gene Simmons once insured his tongue for $1 million.

3. Penis
David Lee Roth of Van Halen once insured his penis, “Little Elvis,” for over $1 million. The notorious womanizer wanted to insure against paternity suits, and of course there are no known claims. Would you want to read the paperwork for that one? It might be pretty fascinating.

2. The Virgin Birth
In 2006, three sisters were once insured against the possibility of virgin birth in case the Lord Christ came back in the Second Coming. Weird, huh? And in 1999, someone else was insured against a virgin birth, just in case the Millennium came. Pretty weird, again, huh?

1. Zombie Apocalypse
There is now, apparently, a Zombie Apocalypse insurance, just in case there is need for one. And this also covers cleaning costs! Don’t you think that cleaning up afterwards would be the least of your worries if there were indeed a Zombie apocalypse.

Apocalypse to hit the world?
As you can see, these are all things people have been insured against. Weird, wacky, a bit out of touch, maybe? You know it. But Lloyd’s of London can only persuade people to back off so much, when they have their minds set on being insured for these crazy things.


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