The Weirdest Insurance Policies People Actually Pay For
Okay, so we all know about health insurance, car insurance, maybe even home insurance. Boring, right? But did you know people have insurance on their legs, their mustaches, even against alien abduction? Yep—this is real life.
Let’s start with the classic: body part insurance. Sounds like a joke, but it's not. Celebrities have been doing this for years. Take David Beckham, for example—his legs were insured for $195 million. Then there's Rihanna, who reportedly insured her legs for $1 million after winning “Celebrity Legs of a Goddess” from Gillette. Wild, right?
But it gets weirder.
Troy Polamalu’s hair—the NFL player with the iconic flowing locks—was insured by Head & Shoulders for $1 million. Not even kidding. The man’s hair had a policy in case of damage. Imagine explaining that to your insurance agent.
Then there’s taste buds insurance. Food critics, chefs, even professional tea tasters have insured their tongues and taste senses. One British tea taster took out a £1 million policy on his tongue. If he ever loses his ability to taste, he’s cashing in. Makes sense though—if that’s how you earn your living, you gotta protect the goods.
Now, buckle up. Because alien abduction insurance is a thing.
Over 20,000 people around the world have taken out alien abduction policies. One company in Florida has been selling them since the '80s. If you get taken by little green men and can prove it, you (or your family, if they bring you back too late) could get paid up to $10 million. Of course, there are… “certain conditions.” Like photographic evidence. Which is hilarious because aliens famously don’t like cameras.
Want more? How about wedding insurance?
This one is actually more practical than weird, but still kinda funny. Imagine paying for insurance in case your fiancé bails. Some policies cover venue disasters, sudden illness, or the worst-case scenario: cold feet. It’s like saying, “I love you… but I also don’t fully trust you.” Romantic.
Let’s get darker for a sec: ghost insurance.
Some UK companies actually offer protection in case your home gets haunted. The policy may cover exorcisms, temporary relocation, or even damage caused by paranormal activity. Like if a ghost yeets your TV across the room. Imagine calling your insurance and going, “Yeah, it was a poltergeist, I swear.”
One guy even insured himself against being turned into a werewolf or vampire. He paid over £100 annually for a policy that would pay his family if he ever got transformed and caused harm. I’m not making this up.
Also, businesses aren’t left out of the weird. Movie production companies often insure actors’ entire existence. If the lead actor dies, disappears, or randomly joins a cult mid-shoot, they want their money back. So they take out key person insurance. The movie Mission: Impossible literally had Tom Cruise insured for every crazy stunt he did.
Even fast-food places have weird policies. KFC once insured Colonel Sanders’ signature white suit, and a pizza chain in the US insured its delivery drivers in case they were victims of zombie attacks during Halloween campaigns. It was part PR stunt, part “you never know.”
So, why do people buy these oddball insurance policies?
Some of them are publicity stunts, sure. But others? Legit. If your income depends on one unique thing—your voice, your legs, your beard—you’re gonna want to protect that asset. It’s like insuring a Ferrari. If your Ferrari is your nose (like a famous perfume expert did), then yep—it’s policy time.
At the end of the day, insurance isn’t just about safety—it’s about peace of mind, even if that peace of mind involves aliens, vampires, or haunted toasters.
