7 Incredible Insurance Cases

Insurance exists all over the world and has protected almost everything for hundreds of years. Starting from this premise, it is not surprising that throughout the history of insurance the most varied cases have occurred. Here we have collected eight situations that seem incredible but are pure and hilarious.

1. The insured abducted

An insurance broker in the United States, apparently out of humor, once issued a policy that provided coverage in the event that the insured was abducted by aliens (it was not even specified which ones). It seems that the thing did not end well: a person who had bought the policy claimed the loss.

2. Heidi Klum’s imperfect legs

The supermodel Heidi Klum decided one day, like many other colleagues by profession, to make sure her legs. The insured object was meticulously inspected by the chosen insurer, in order to assess the capital that she was insuring. Heidi was surprised when, upon receiving her insurance proposal, she realized that one of her legs had been valued slightly lower (about 100,000 pounds) than the other. Most of Heidi Klum’s fans have never noticed it; but, indeed, the model has a small scar on one of her legs.

3. The failed marketing operation of Alfonso XII

At the end of the 19th century, it occurred to a Spanish life insurer that the best way to advertise life insurance, then rare in our society, would be to ask the king to buy one. Alfonso XII found the idea magnificent and, in fact, he made life insurance that was widely publicized. The insurance operation, however, did not go well either: the king died shortly after, without having reached the age of thirty.

4. The visionaries of auto insurance

The first time compulsory automobile (carriage, then) insurance was established was in Paris in the 19th century. And it was automatically declared illegal by a court. The judges ruled that the existence of mandatory auto insurance would drive drivers to be negligent.

5. The Loch Ness “just in case”

A famous whiskey brand, Scotch of course, decided one day to launch a marketing campaign by advertising a reward of one million dollars for those who managed to capture the so-called Loch Ness monster. When they had already launched the campaign, the executives began to heat their heads with the possibility that, finally, the monster existed and someone would capture it; so they decided to secure the award. The insurer put only one condition: if someone caught something, that something should be reviewed and certified by experts from the Scottish Museum of Natural History. Nessie, to this day, has not yet been captured.

6. Insurance against the good luck of your staff

The only insurance that exists against the eventuality of not winning anything in the Lottery is not to play. But, although it may seem incredible, there are insurance that protects you against the eventuality of winning the Lottery. In some markets, indeed, insurance companies are offered to protect them against the eventuality that two or more than two salaried workers (it cannot be just one, normally) win a prize in the Lottery and decide to leave the company unexpectedly. Insurance covers hiring substitutes and other things to plug the hole.

7. The report that neither the jury understood

9/11 sparked a bitter legal dispute in New York. The two twin towers were insured for only half their value (that is, the value of only one of them). That value, in any case, operated by sinister. For this reason, the New York Port Authority argued that the attack had been two attacks, while the insurers considered that only one mishap had occurred. In the ensuing trial, the arguments of both parties were so technical and far-fetched (apparently the most widely used source concerned an accident in the New York subway a hundred years earlier) that the jury had to request a meeting with the judge. judge … to explain what they were judging.

Read More: Cases In Which Insurance Was Essential