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Oddsurance 02

‘Normal’ insurance coverages  like auto insurance is great and all but not very entertaining. Odd insurances are.


Did you know that you could insure your body parts? Yes. Your eyeballs. Your legs. Your hands. Any of them! Although the average joe is not likely to be insuring his legs anytime soon, insuring body parts has been rather synonymous to celebrities.



Its origin is said to have originated in the silent movie era when Ben Turpin, known for his crossed-eyes, took out a $20,000 insurance policy in case his eyes no longer crossed. Yup.

Other celebrities  soon jumped on the publicity bandwagon.


Betty Grable, a pin-up model, insured her legs for one million dollars!


Bette Davis, an actress, took a policy against weight gain. Seems like a good way to motivate yourself to stay thin!

Dolly Parton, musician, insured her 42-inch bust for $600,000

Gene Simmons, of Kiss fame, supposedly insured his tongue for one one million dollars!


America Ferrara, star of Ugly Betty, insured her smile for ten million dollars.


So with these shining examples; insurance companies aren’t just insuring for the quality and size of body parts but more of their earning capacity. These celebrities are insuring more than a body part – they’re insuring a brand that matches their ‘character’.


A summary of WorkCover’s body part estimates follows:

  • loss of vision in both eyes was worth $100,000;
  • one eye was only worth $40,000;
  • the power of speech was valued at $60,000;
  • loss of hearing in both ears was worth $65,000;
  • hearing in one ear was valued at $20,000;
  • loss of the right arm above the elbow was worth $80,000;
  • loss of the right hand yielded $70,000;
  • the right thumb was worth $30,000;
  • the right forefinger was worth $20,000;
  • compensation for a leg was $75,000;
  • loss of a foot came in at $65,000;
  • a big toe was worth $22,000;
  • loss of both breasts yielded $47,000;
  • a penis was worth $47,000;
  • and the loss of both testicles came in at $47,000

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Written by lordsinsurancelog

October 28, 2010 at 11:11 pm

Posted in Oddsurance

Oddsurance 01

‘Normal’ insurance coverages  like auto insurance is great and all but not very entertaining. Odd insurances are.

Change of Heart coverage – Basically you get a special event policy for your wedding.  If either partner change their mind and the wedding does not happen you are insured against the expense you have already paid out for such as reception, limo, dj, cake, etc.


In 2007, Fireman’s Fund Insurance Company joined forces with Insurance agent RV Nuccio & Associates Inc to enhance their insurance policies for weddings and private events to protect the finances of their customers. Fireman’s Fund is the first insurance company to offer this oddsurance.

Despite the interesting name, being stood up on the big day is only one of the many reasons why a wedding might not occur. Occurrences like weather, fire,  power failure at the venue, or missing photographers could be reasons why a spouse may want to cancel the entire wedding.

The insurance policy covers the following:

  • Gift, attire, jewelry, and rental property damage – Pays to repair or replace the items if damaged, lost, or stolen.
  • Photography – Pays the cost to retake photographs(including the travel) if the photographer fails to show up or if the negatives are damaged, lost, stolen or improperly developed.
  • Weather – Available for policies purchased 14 days or more before the event
  • Professional Counseling – Covers any counseling needed for the emotional distressed from a cancelled event.
  • Cancellation – Pays up to the limit selected for nonrefundable expenses.
  • International destinations – Covers destination weddings in the British Isles.
  • Loss of deposits – Refunds lost deposits if venue or professionals(caterer, djs, etc) fails to provide their services.

Since the birth of the change of heart oddsurance, other companies have also been offering such services to their customers.

Written by lordsinsurancelog

October 5, 2010 at 9:33 pm

Posted in Oddsurance