When you hear the word insurance, your brain probably jumps to the usual suspects: life cover, home protection, maybe business insurance if you’re feeling particularly grown-up. It’s all about keeping your loved ones and assets safe, right?
But beneath the surface of this buttoned-up industry lies a delightfully bizarre history—where pirates, pop stars, and little green aliens all make an appearance. Before we get back to the serious business of protecting your future, let’s take a joyride through the unexpected, the unusual, and the utterly unbelievable side of insurance.
Where It All Started: Camels, Caravans, and Coffee Shops
Insurance is older than spreadsheets and sales pitches. Way older. Picture ancient Babylon and China, where merchants travelled treacherous trade routes with nothing but camels, carts, and a hope for the best. These traders banded together, agreeing to cover each other’s losses if disaster struck. No legal teams, no fine print—just a gentleman’s agreement to split the risk. Not bad for 2000 BC.
Zoom forward to 1600s London, and we land in the lively chaos of a coffee house—Lloyd’s of London’s birthplace. It wasn’t a boardroom; it was a bustling café where shipowners chatted risks between sips of strong brew. Eventually, those caffeine-fuelled conversations evolved into the global insurance market we know today... and gave rise to some policies no one could have seen coming.
Insuring the (Literally) Priceless
Let’s talk body part insurance—a trend that’s been both eyebrow-raising and headline-grabbing for decades.
- America Ferrera’s smile? Insured for $10 million by Aquafresh.
- David Beckham’s legs? A cool £100 million policy during his football peak.
- Dolly Parton’s curves? Rumoured to be covered, though she keeps the figure—and the figure—under wraps.
- Rihanna’s legs? $1 million, courtesy of a “Goddess Legs” title.
It might sound outrageous, but here’s the logic: if your fame (and fortune) relies on a body part, losing it could be a financial disaster. In other words, it’s just smart business—just with a touch more glitter.
Aliens, Vampires, and the Paranormal Protection Plan
Yes, you can insure yourself against alien abduction. A Florida company has reportedly sold over 6,000 such policies - complete with payout clauses in case you're beamed up. The claims process? Probably out of this world.
And the weirdness doesn’t stop there.
In the UK, one insurer offered vampire transformation cover - yes, a real policy with a real beneficiary payout if you woke up craving blood. Zombies, ghosts, haunted homes... if you can dream (or nightmare) it, someone’s probably written a policy for it.
Are these for real? Mostly not. Are they hilarious publicity stunts? Absolutely. But they prove one thing: insurance has range.
Hands, Feet, and... Santa Claus?
Performers are no strangers to odd insurance needs. From ballet dancers insuring their feet to pianists protecting their hands, these policies make perfect sense. But it gets stranger:
Shopping centres in the UK have insured Santa Claus.
Why?
Because if he can’t show up - due to illness, sleigh issues, or a rogue reindeer- it’s a festive disaster.
The lesson? In the world of performance and pageantry, even magic gets insured.
So, What’s the Point of All This Madness?
It’s easy to laugh at zombie coverage and million-pound mouths—but at the heart of all these stories is a simple truth: insurance protects what matters.
Whether it’s your health, your home, or your ability to do the moonwalk, insurance is about peace of mind. These quirky policies prove that insurance isn’t rigid—it’s flexible, creative, and weirdly wonderful. If it has value, it can probably be protected.
Back to (Real) Life: Cover That Counts
At
Remulate Protect, we may not offer werewolf insurance (yet), but we do offer expert advice on the cover that actually matters to you and your future.
From life insurance and income protection to critical illness cover and business insurance, we’re here to help you navigate the real stuff. No jargon, no pressure - just straight-talking, personalised advice that makes your future feel a lot less scary.
What We’ve Learned from the Weird
From ancient merchants to celebrity smiles and ghost policies, the world of insurance is anything but boring. And while we’re probably not going to cover your cat’s modeling career, we are here to protect the milestones that matter most - starting a family, buying your first home, growing your business, or simply building a safety net for what comes next.
So, if you’re ready to get serious about your future (without taking yourself too seriously), we’re here for it.
Ready to protect what matters most?
Chat to one of our expert advisers today.
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