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10 most unusual insurance policies

Discover 10 of the most unusual insurance policies ever. From vampire attacks to falling coconuts, never fear, there’s insurance out there for you.

Posted on 2 February 2015

Forget life insurance. We’re talking UFO abduction insurance

We’re all familiar with life insurance and home insurance, but did you know you can insure yourself against pretty much anything, as long as you’re willing to pay of course. Why not sit back and read for yourself some of the most unusual policies out there.

1. UFO abduction insurance

If you live in fear of being beamed up by aliens, who are you going to call? Lloyds of London of course. They claim to have around 20,000 insurance policies covering UFO or alien abduction. Just be warned: you’d need to take a lie detector test and have a third party witness to get your payout.

ufo-insurance-ufo hovering with light shining unde
Source: Flickr

2. Fantasy sports insurance

You might think playing the manager of a fantasy football team is a bit of fun, but for some it’s clearly serious business. There are insurance policies available that reimburse ‘managers’ if one of their key players is injured for a set number of games. Fantastical!

fantasy-sports-insurance-fantasy-manager-game
Source: Flickr

3. Falling coconuts

Believe it or not, falling coconuts cause about 150 deaths each year. In 1984, a UK travel company insured their guests against injuries caused by falling coconuts. One customer who received a coconut conk on the head in Sri-Lanka actually received an insurance pay out - and lived to tell the tale.

falling-coconuts-warning-sign
Source: Flickr

4. Ghost insurance

It’s possible to insure yourself against haunting and even ghostly happenings. One English hotel owner took out insurance after being convinced he saw a ghost at his bar. The policy would pay out a whopping £1million if a customer were unlucky enough to be killed or disabled by the spooky spectre.

ghost-insurance-road-sign-with-a-ghost-on-it
Source: Flickr

5. Lottery winners' insurance

Sadly not insurance that pays out when you don’t win the lottery. It’s actually insurance designed to protect the bosses who get left in the lurch. This policy covers the cost of hiring temps and training new employees if the office lottery syndicate just so happens to scoop the jackpot and all do a moonlight flit to paradise.

lottery-winners-insurance-couple-celebrating-a-win
Source: Flickr

6. Body part insurance

Celebrities’ insuring their prized body parts isn’t a new thing. Back in the 40s, Bette Davis insured her waistline against expansion. Today, Dolly Parton has each breast insured for a rather fulsome $300,000 and Tom Jones has his trademark chest hair insured against thinning.

body-part-insurance-a-pair-of-legs-in-fishnets
Source: Flickr

7. Immaculate conception insurance

In 2006, three sisters in Scotland had insurance to cover the costs if they were to give birth to the second incarnation of Jesus Christ. In 1999, Lloyds also insured a woman named Mary Murphy against a virgin birth triggered by the arrival of the Millennium.

immaculate-conception-insurance-a-biblical-sky-of-sun-rays-and-clouds
Source: Flickr

8. Sports fan insurance

Worried your beloved footy team might let you down? There’s a policy for that. In 2006 an English football fan took out insurance to cover him for any “severe trauma” caused if England went out of the World Cup in the early rounds. The boys made it to the quarter-finals, so no pay out was made but probably wise to renew this policy every year!

sport-fan-insurance house paint-with-england-flag
Source: Flickr

9. Cold feet insurance

Weddings insurance is nothing new but in the States one company includes "change of heart" cover should the bride or groom do a runner. Counselling for a broken heart is an optional extra. A successful claim could be tricky though, seeing as the jilting must be done 180 days in advance of the wedding, so last minute wobbles are excluded.


10. Werewolf or vampire attack insurance

Panic not. You can cover yourself against attacks from hairy wolves and bloodsucking beings. Once again Lloyds of London steps into the breach, offering policies for all such eventualities, even a zombie apocalypse.

werewolf-insurance-full-moon-with-tree-silhouetted
Source: Flickr

However bizarre these insurance policies are, someone somewhere gets peace of mind from being covered. You may not feel the need to insure your fabulous pins or protect yourself against zombies, but if you’re thinking about life insurance, you could read our article Life insurance explained and 10 reasons to take out life insurance.

SunLife offers a range of straightforward and affordable products including over 50 life insurance, funeral plans, life insurance, pet insurance, ISAs and Will writing services.

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife? 

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). Phoenix Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is entered on the Financial Services Register (registration no. 110418). As part of SunLife’s commitment to quality service and security, telephone calls may be recorded.

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by Phoenix Life Limited, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.