10 Of The World’s Weirdest Insurance Policies

cinema

In the early part of the 20th century, Lloyd’s   insured cinemagoers against death from excessive laughter while at the   cinema.

1. Lloyd’s has insured the smile of America Ferrera, star of the hit   television show Ugly Betty, for $10m.

2. The London insurance market has also insured Rolling Stones guitarist Keith   Richards’ fingers and Marlene Dietrich’s legs – and, according to one   history book, actress Bette Davis once insured her waistline against   expansion.

3. Lloyd’s developed a policy to cover loss of chest hair which could   adversely impact a person’s image or career. Under the terms of the policy,   the policyholder would have to lose more than 85pc of his chest hair through   an injury to his chest in order to make a claim. This loss would have to be   verified by a panel of trichologists.

4. In 2008 Dutch wine maker Ilja Gort insured his nose for €5m to cover   against any incident that could threaten his liveliho

5. It has also insured Santa’s beard, providing coverage for Brady White – the   professional Father Christmas at Macy’s department store in New York who   also visits the likes of Pamela Anderson and Rene Russo.

6. In June 2004, history was made when SpaceShipOne became the first privately   manned aircraft to reach space. Lloyd’s insurer Amlin was lead underwriter   for the $100m liability policy for the craft.

7. One film company took out a million-dollar policy with Lloyd’s against the   possibility of one of their actresses falling in love and getting married   during her contract service. In the early part of the 20th century, Lloyd’s   insured cinemagoers against death from excessive laughter while at the   cinema.

8. Formula One racing drivers at the front of the grid can buy cover for up to    £50m, while those at the back are likely to have protection of around    £500,000.

9. Golf: Hole-in-one insurances are regularly placed at Lloyd’s, sometimes for   as much as $50,000 a time.

10. In 2004, Lloyd’s insured the £27m worth of jewellery worn by the stars at   the Oscars.

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