Lloyd’s of London has never been one to follow the ordinary. If it’s weird, valuable, or just plain bonkers, there’s probably a Lloyd’s underwriter out there quietly pricing the risk with a straight face and a very large coffee.
Let’s explore some of the most bizarre, brilliant, and utterly baffling things insured through Lloyd’s of London.
Body Parts Worth a Fortune
If you thought insurance was just for bricks and mortar, think again. Lloyd’s has famously insured some of the most iconic body parts in the world:
- Heidi Klum insured her legs for over £1.5 million. One was insured for more than the other due to a scar. The logic? Symmetry has value.
- David Beckham’s legs were covered for around £100 million—understandable when they’ve scored goals, sold underpants, and carried England’s hopes all at once.
- Mariah Carey allegedly took out cover for her voice and her legs for a combined £50 million. All she wants for Christmas is... ironclad insurance.
Alien Abduction Insurance
You read that right. Lloyd’s has sold policies covering the possibility of being abducted by aliens. While the fine print requires “credible evidence” of the abduction (good luck with that), it hasn’t stopped people from taking out cover—just in case those blinking lights in the sky aren’t aeroplanes.
It may sound like a sci-fi plot, but for Lloyd’s, it’s just another Tuesday.
Hole-in-One Insurance
Imagine hosting a golf tournament and offering a brand-new car or a £100,000 prize for a hole-in-one. You’re not mad—you’ve just got prize indemnity insurance, likely from Lloyd’s.
They’ve covered everything from miracle shots in golf to half-court basketball throws and weather-dependent promotions. If someone wins big, Lloyd’s pays out so you don’t have to sell your house.
Taste Buds, Tongues & Noses
For most of us, losing our sense of taste means bland dinners. For a wine critic, chef, or perfume creator, it means career catastrophe.
Lloyd’s has insured tongues, taste buds, and noses—some for six figures. Imagine trying to explain that claim: “I can’t smell lavender anymore. Please find attached a note from my sommelier.”
Elvis Presley’s Satellite Broadcast
In 1973, Elvis Presley’s Aloha from Hawaii concert was the first ever live satellite broadcast of its kind—and yes, it was insured through Lloyd’s.
If something had gone wrong, fans across the globe would’ve been devastated. So Lloyd’s stepped in to cover the risk of satellite failure, proving that even rock ‘n’ roll needs a backup plan.
A Cigar Collection Fit for a Kingpin
Lloyd’s once insured a multi-million-pound cigar collection, protecting it from fire, theft, and even humidity. When your cigars are worth more than a small flat in London, you don’t leave them to chance—or to damp.
Why Lloyd’s? Because Normal Is Boring
Lloyd’s of London is not an insurance company - it’s a marketplace of syndicates and specialist underwriters who make the extraordinary insurable. Their philosophy? If it has a value, and you can explain the risk without laughing (too much), they’ll find a way to cover it.
From celebrity limbs to alien encounters, Lloyd’s has proved that no risk is too odd, and no request too outrageous. So next time someone says, “You can’t insure that,” send them to Lloyd’s. If they don’t blink at £100 million footballer legs, they won’t blink at your antique kazoo collection.
And as one of the few local insurance brokers with direct access to Lloyd’s of London, Edgewater can help you protect the extraordinary - no matter how unusual your needs may be.