Office Response proudly work alongside numerous insurance companies, all of which offer a variety of policies – from home, car and business insurance to specialist yacht insurance. We all know the importance of having secure insurance policies in place for a variety of situations, but there are a small selection of companies offering more unique niche policies to those who seek insurance cover for any given situation, regardless of the obscurity.
Here are a few of our favourites:
Alien abduction insurance – for those who live in fear of being abducted during the night and pulled aboard a spaceship, help is at hand in the form of alien abduction insurance. The first company to offer such a thing was St. Lawrence Agency, an insurance provider who claims to have sold over 20,000 of these policies!
Paranormal activity insurance – back in 2002, it was reported by the BBC that hotel owner Terry Meggs took out insurance to protect his patrons against an unruly poltergeist with the potential to harm. It is said that he paid £500 a year to insurers Ultraviolet, to be covered by their ‘SpookSafe’ policy.
Attractiveness insurance – another unique one which has featured in the Daily Mail, is the ‘FaceSafe’ policy which will pay out if the policy holder is no longer deemed as attractive. In one case, to claim on the policy the holder would have to be declared unattractive by a panel of 10 builders – a test she said her husband appreciated being a builder himself!
Winning the lottery – Lloyd’s of London offers policies which will protect an employer if more than two of their staff win the lottery and decide not to return to work. It has been reported that payment is triggered when two or more staff win at least £100,000 each, and leave within 14 days, and the payout would be between £25,000 and £500,000 to cover the cost of hiring temps or recruiting new staff.
If you work in the insurance industry and know of any other unique insurance policies, or even if you’ve taken a policy out yourself, we’d love to hear from you!
