What would be the most preposterous claims you can think of to bring to an insurance company ?

Telejester

Just for laughs, here is my preposterous claim:

Putting in a claim to the company that insures my toyota for damage in a thermonuclear war.
Definitely good grounds for a complete respray instead of matching individual panels  damaged by the fireball.

Can you lot come up with anything better ?

Legionreturns

There is a tale, within the industry, of a man who bought an extremely expensive cigar collection and then had them insured. The story goes that some months down the line he put in a claim, stating they had been destroyed in a series of small fires. The insurers refused the claim, but reported him for arson. 

I'd love it to be true but there are too many holes in it sadly.

Telejester

I would be tempted to lodge a claim with an insurer for extreme underwhelming experience trauma, it dates back to 1985 and the first listen of Jimmy Page's The Firm album.

munckee

Legionreturns said:

There is a tale, within the industry, of a man who bought an extremely expensive cigar collection and then had them insured. The story goes that some months down the line he put in a claim, stating they had been destroyed in a series of small fires. The insurers refused the claim, but reported him for arson. 

I'd love it to be true but there are too many holes in it sadly.

Must be true its in CII official courses...

Unfortunately the nuclear war wouldn't be covered, standard exclusion.

Legionreturns

munckee said:

Legionreturns said:

There is a tale, within the industry, of a man who bought an extremely expensive cigar collection and then had them insured. The story goes that some months down the line he put in a claim, stating they had been destroyed in a series of small fires. The insurers refused the claim, but reported him for arson. 

I'd love it to be true but there are too many holes in it sadly.

Must be true its in CII official courses...

Unfortunately the nuclear war wouldn't be covered, standard exclusion.

I got it from several courses, but always told tongue in cheek. I think the lesson was on exclusions or something. 

Sassafras

I'd like to insure myself against damage to my clothing sustained by vomiting while watching Steven Spielberg's awful, sludgy, soppy, over-sentimental films.

mart

Legionreturns said:

..... 
I'd love it to be true but there are too many holes in it sadly.

That’s what they said when I tried to claim for my Emmental cheese collection.

And Eric Clapton played my guitar once and broke a string, but when I tried to claim that, the insurers said they wouldn’t pay out as it was an act of god.

Kilgore

I would like medical cover for PTSD in case I ever meet The Donald.

VimFuego

I think the renewal quote from our house insurer was pretty preposterous. 

Phil_aka_Pip

Most insurers' limitations exclusions and excesses are totally preposterous. The summary is: you pay us the premium but we are guaranteed to find reasons not to pay your claim.

Telejester

reckon i could make a claim for having to listen slade merry xmas every year since 1973 ?

fields5069

I remember a while back when the owner of Cardiff city effectively bet against them winning the league they were in, through an insurers. They won, the insurance paid out, and every player got a massive bonus.

Nitefly

fields5069 said:

I remember a while back when the owner of Cardiff city effectively bet against them winning the league they were in, through an insurers. They won, the insurance paid out, and every player got a massive bonus.

Wow! Wouldn't that be a massive contravention of League/ FA rules? 

I seem to remember Joey Barton getting a massive ban for betting ON his team, rather than against it.

snakemanStoo

A cow jumping onto the roof of my car.

cacophony

Phil_aka_Pip said:

Most insurers' limitations exclusions and excesses are totally preposterous. The summary is: you pay us the premium but we are guaranteed to find reasons not to pay your claim.

i remember a couple of years ago when insurers were whingeing about having to pay out for a number of 'unseasonal' freak weather conditions, and would 'unfortunately have to raise premiums' across the board. and i thought then, "if one year makes the premiums go up, how come the previous 250 years of 'normal' weather, during which time householders must have paid in hundreds and hundreds of millions in premiums, hasn't led to a gradual fall in the amounts you charge for premiums?" surely if it works one way?...

ICBM

That the insurers of the World Trade Center had to pay out twice the amount because 9/11 was two separate incidents.

sev112

snakemanStoo said:

A cow jumping onto the roof of my car.

I’ve seen that happen. The woman in the front passenger seat was in serious shock for ages after

Dominic

My sister had a goat jump onto the roof of her car ..........it was a convertible and the goat's hoofs ripped the fabric ;it got it's legs stuck in the roof hurting her and damaged the internal leather seats ..........Fire brigade got it out

ICBM

I've seen a sheep jump onto the bonnet of a car as well. This seems to be quite a theme with dim herbivores…

The car was going quite fast unfortunately - the sheep smashed the windscreen and bent the pillar, but luckily didn't end up in the car. Unluckily (for the sheep) it did end up dead.

MartinB

snakemanStoo said:

A cow jumping onto the roof of my car.

My dad had the open door torn off a work minibus by a galloping cow.  When they've just been separated from their calves they're pretty determined to get back towards them.  He had some difficulty resisting the urge to fill in the claim form with "Colour of other vehicle; black and white.  Model; Fresian..."

CountryDave

Legionreturns said:

There is a tale, within the industry, of a man who bought an extremely expensive cigar collection and then had them insured. The story goes that some months down the line he put in a claim, stating they had been destroyed in a series of small fires. The insurers refused the claim, but reported him for arson. 

I'd love it to be true but there are too many holes in it sadly.

There's a song on Brad Paisley's Mud On The Tyres album about that.