Most of us have insurance - auto insurance, life insurance, home insurance, etc. For the most part, having insurance provides some financial security if some kind of accident occurs, such as a car accident or a tornado that destroys the roof of a house.
However, some try to insure themselves against unusual situations. In such conditions, people need non-standard insurance. For their part, insurance companies are willing to insure just about anything – especially if they feel there is an unlikely chance of ever paying it out. That is why we offer you top 10 most unusual insurance policies.
10. Parts of the body
Body parts insurance is not entirely new. This happened for the first time in the early 1990s. Although unpopular among ordinary people, the rich and famous often use such insurance. After all, this category of people has completely different standards, completely different from the norms of behavior of the bulk of the population.
This is also true in the insurance world. Take Jennifer Lopez, who insured the ass. I can't imagine what she was afraid of, and what would be an insured event. She is included in the top 10 most popular singers of 2015. And take professional football player Troy Polamala (defender of the Pittsburgh Steelers). The professional player's black hair strands are insured for $1 million. But that's okay, but what about America Ferrera, the girl who starred in the film " Ugly Betty"? This young actress insured her smile for $10 million. Heidi Klum's legs are insured for $2.2 million. Mariah Carey insured her legs for $1 billion.
9. Love Insurance
In this case, one photographer decided to enter into such an insurance contract, because the model he was photographing and with whom he was in love was getting married. When the model refused to pose for him, she had to make amends. In fact, the possibilities of this insurance are endless.
8. Animal insurance
Some people have decided to take advantage of the unique opportunity to insure their pet. And I'm not just talking about dogs or cats. It can be any animal you can imagine - frogs, snakes, crocodiles.
Indeed, in some cases we can talk about very rare pets, their illness or death is fraught with financial losses. But if the pet is insured, the wallet will not suffer. For example, if your dog is diagnosed with cancer and the treatment costs $10,000, if you don't have insurance, you are unlikely to be able to help him, but having an insurance policy will save a friend's life.
7. Incredible Insurance
Company Lloyd's of London offers to insure incredible things. Most of the work is related to the birth of children, you can take out insurance against your wife (or significant other) if more children were born than you expected. After all, if you were expecting 2 twins, and you get five, living expenses will increase significantly. This insurance will help reduce the initial cost of such incredible incidents.
There was one case with someone who had this insurance, and later they were paid the money when twins were unexpectedly born. The couple renewed their insurance when the wife got pregnant again and gave birth to twins again. But the fun doesn't end with trying to predict the number of babies. "Lloyd» offers insurance to employers for two or more employees who win the lottery when employers decide that it makes no sense for employees to continue working, because they are millionaires.
6. Travel insurance
In fact, this policy is limited - either the insured person will be injured during the flight, or will die as a result of a plane crash. Two things come to mind. First, the chances of dying in a plane crash are almost zero. Yes, it can happen, but such cases occur much less frequently than on any other mode of transport. In fact, you are more likely to injure yourself just by walking than by sitting on an airplane. It is easier to take insurance for ordinary life and health.
5. Meteorite fall insurance
I remember watching the movie Meteor when I was a kid. The plot of the film was that a giant asteroid was about to hit the ground, and the only world powers were the US and the USSR that could stop it using covert space missile systems. Even today, the news sometimes talks about the possibility of an asteroid hitting the earth. Yes, it's pretty terrible. But theoretically possible. Some scientists are quite serious about the likelihood of a meteorite falling to earth.
And in this case, there are insurances that will provide financial support in the event of a meteorite fall. But there is a small problem. If a large asteroid hits the planet, then there will probably be no insurance company left to pay out the insurance. Of course, it could be a meteorite impact that won't destroy the entire world. In this case, this type of insurance can be used by those who survived.
4. Insurance of important employees
This is quite an interesting type of insurance. Every company has an employee who works with everyone. These are the people who promote the business and make it profitable. The loss of such employees can be a huge problem for the entire company and such a person will be difficult to replace. To prevent (or at least reduce) damage from the loss of an employee, some companies insure them.
3. Supernatural Attack Insurance
If you've watched enough TV, movies, or read science fiction, you're probably convinced that creatures such as vampires, werewolves, and other monsters actually exist. Of course, there are people who believe in ghosts and demons. Where there is faith, there is insurance. If you believe that a ghost or a vampire can cause death, then there are insurance companies that will issue a policy against all sorts of monsters. Also included in this insurance is alien abduction.
2. Wedding insurance
The fact is that given the price of weddings - especially among the rich and famous - it can be argued that insurance is not only unusual, but also necessary. If you're paying tens of thousands of dollars (or more) for a wedding, you probably want to be on the safe side in case something goes wrong. According to the rules of this kind of insurance, such a policy covers only those expenses that are not refundable. So, if you get married on the beach and, for example, a tsunami covers the ceremony, you can recoup the cost of it.
But what if the wedding ceremony is canceled because of the bride's unwillingness to get married or vice versa? The insurance company has an additional policy called "betrayal of the heart". If the bride (or groom) abandoned you at the altar, then you will not have to make amends for the damage caused by her antics. In addition, the policy pays for any consultations that will need to be completed in order to overcome shame in front of family and friends.
1. Immaculate Conception Insurance
The sisters bought a policy that covered all the expenses associated with the birth of the second incarnation of Jesus Christ. According to the statement of the representative of the insurance company that issued the policy, the sisters wanted to be able to give a decent upbringing and maintenance to the baby, who was conceived immaculately. Of course, the company says that they did not mean to offend anyone, but due to numerous complaints, their insurance was canceled.
