You are using an outdated browser. Please upgrade your browser to improve your experience.

10 strangest things to be insured

Posted on 20 January 2015

Heidi Klum’s legs, Keith Richards’ finger and Santa’s beard...

For most of us insurance is about protecting our cars and home, but it also has a stranger, more interesting side. We’re talking about insurance for bits of celebrity bodies, Santa’s beard, alien abduction, and even the discovery of mythical creatures.

Keith Richards - Life Insurance - Blog - SunLIfe

When it comes to bizarre insurance policies, there’s one insurer on every celeb’s speed dial: Lloyd’s of London. They’ve insured legs, moustaches, space planes – and a whole host of other oddities. The list goes on, but here’s our pick of the 10 strangest things ever to be insured.

  1. Legs
    Heidi Klum’s go-on-forever legs are reportedly insured for a massive $2.2 million. Before getting the insurance, she apparently had to fly to London to have her pins ‘inspected’ by the Lloyd’s underwriter. We wonder how many employees volunteered for that job.
  2. Facial hair
    Australian cricketer Merv Hughes insured his famous moustache for an estimated £225,000. Merv’s walrus-like whiskers are indeed iconic, but Lloyd’s of London also insure the most famous beardy of all time: Santa. Not the real one, but the Father Christmas at Macy’s department store, New York.
  3. Tongue
    In the late 70s, Gene Simmons, the KISS bassist, insured his tongue for $1 million. Sound a lot? It’s small change when you discover that Costa Coffee’s chief taster Gennaro Pelliccia has his taste buds insured for a smooth £10 million.
  4. Nose
    Ilja Gort, the owner of Chateau de le Garde in Bordeaux has a policy that protects his conk to the sum of €5 million. There are however a couple of drawbacks. He won’t be able to claim if he takes part in winter sports, plays a boxing match – or breathes fire.
  5. A solitary finger
    Rolling Stones’ Keith Richards has put a finger up to the world on many occasions - but it’s not the only thing his digit is famous for. It turns out he’s got that middle finger ensured for a whopping $1.6m. Not so he can tell people where to go, but so he can keep strumming his guitar.
  6. Manhood
    This is our last pick of celebrity body parts, so we’ll make it a good one. It is said that Van Halen singer, David Lee Roth, once took out insurance on his manhood before going on tour. His prized part, or ‘Little Elvis’, as it was nicknamed by the band, was insured for a rather sizeable 1 million bucks.
  7. Alien abduction
    It’s believed that actress Shirley MacLaine has insurance that will pay out $25,000 for any losses caused by alien abduction. And she’s not alone. Lloyd’s of London claim to have written over 20,000 policies for such an eventuality.
  8. Loch Ness Monster
    Find the Loch Ness Monster alive and we’ll give you a £1million reward. That was the exact challenge issued by Scottish Whiskey makers, Cutty Stark in 1971. After offering the prize, they also took out insurance to help them pay out if Nessie did made an appearance.
  9. World’s largest cigar
    The existing insurance at the Skansen museum in Stockholm mustn’t have covered 12ft long cigars, as the museum owner took out an extra policy to insure his world record-breaking 110kg exhibit.
  10. Death by laughter
    Back in the 1900s Lloyd’s of London issued a $1m policy that would pay out if any film-goers died from excessive laughter. And while we’re on the subject, American comedian Rich Hall, probably wins the prize for hardest claim to prove, having insured himself for $1 million just in case he loses his sense of humour.

If all this talk of insuring prized limbs, cigars and senses has you wondering what kind of crazy claims actually get paid, wonder no more. You’ll find just what you’re after in Top 5 biggest insurance payouts featuring Mr. Bean, a cat and a couple of icy patches.

SunLife offers a range of straightforward and affordable products including over 50 life insurance, funeral plans, life 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.