Alien abduction insurance? 5 Weird niche insurance policies you may not have heard of

By Cameron Thomson · · 2 min read
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Insurance can seem like a pretty mundane topic, covering the basics of cars, homes, travelling, and health. But, did you know there are specialised types of insurance called niche insurance? 

Over time, people have worried about anything and everything that could happen to them. From Bruce Springsteen insuring his vocal cords to “cold feet” wedding insurance, and bed bug insurance, there seems no end to what’s available. 

What is niche insurance?

Niche insurance is any kind of insurance that does not fit into any of the usual categories of insurance. This cover ranges from the more reasonable to the downright crazy. Some are issued as joke gifts although the more ridiculous sounding ones do have their own serious claims that were or intended to be made.

Remember, always read the PDS to make sure you’re covered for what you need under your policy.

So let’s get into those worries that you need insurance for!

1. Meteor Impact Insurance

Believe it or not, we already covered this one in an article about weird home insurance cover. Depending on your home insurance, you may be covered from falling space debris and satellites that damage your home. 

However, there’s a good chance that civilisation destroying impact is probably not going to be covered (and even if it was, good luck finding anyone left to file the claim to), so read the fine print.

2. Supernatural Phenomena Insurance

We all know about life insurance, but what about insuring yourself from the dead? Whether you’re suffering death or dismemberment from a ghost, vampire, or zombie, there’s apparently some companies out there that insure people for those incidents. 

Well, to be honest, if a poltergeist goes around smashing your stuff you probably just want to get some contents insurance.

3. Loch Ness Monster Insurance

In the 1970s Lloyds of London underwrote the insurance for whisky producer Cutty Sark, when the company offered a reward for the capture of the monster. The risk was covered with a premium of £2,500. That’s not the only instance of insurance when it comes to the monster. Swimmers were insured for £1,000,000 in case of bodily harm caused by the monster.In the 1970s Lloyds of London underwrote the insurance for whisky producer Cutty Sark, when the company offered a reward for the capture of the monster. The risk was covered with a premium of £2,500. That’s not the only instance of insurance when it comes to the monster. Swimmers were insured for £1,000,000 in case of bodily harm caused by the monster.

4. Body Insurance

What do you do if you’re a guitarist and lose the use of your hands? For some celebrities, certain career necessary/defining body parts are insured in case of damage. This has led to people like Keith Richards insuring his hands, and Julia Roberts her smile.

5. Alien Abduction Insurance

Cue the X-files theme because in Florida, the Saint Lawrence Agency offers $10 million in coverage in the event of an alien abduction occurring. While it is a gag policy—supposedly only paying out a dollar a year—they have apparently paid out an MIT professor who claimed to have been implanted with a device made of materials not of this world. 

Aliens are unlikely to come and whisk you away but there’s always a chance that you get into an accident on your travels (hopefully on Earth). That’s why at Mozo we have comparisons of all the best travel insurance providers to help you make the decision that’s right for you.

Travel insurance comparisons on Mozo

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Last updated 8 October 2024 Important disclosures
  • International Travel Insurance
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    $5,000 limit per policy with option to increase limit

    Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.

    Go to site
    Details
  • Comprehensive
    covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    Unlimited

    Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.

    Go to site
    Details
  • Comprehensive
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Choose $10,000 to Unlimited

    Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

    Go to site
    Details
  • International Comprehensive Single
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Choose $2,500 to Unlimited

    Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.

    Go to site
    Details
  • Top
    covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Unlimited

    Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.

    Go to site
    Details

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