News

When it comes to insurance, at Prizm Solutions we pride ourselves on only selling you useful insurance that is worth the paper it’s written on. 

We never aim to sell any of our customers insurances they don’t need, which led us on to thinking about insurances that you’d never be able to buy or claim for… 

And if you have ever been sold any one of these types of insurance by another company then, oh dear, we’re really sorry to hear this!

There are some surprising insurance policy rumours that have made the news over the years, like supermodels insuring their legs, dancers insuring their feet and celebrities insuring other parts of their bodies.  

And there are other types of insurances that you might not think actually exist but do, such as Multiple Birth insurance, which covers families against having more than one child per pregnancy. And Lottery Winners Insurance, which is designed to help business owners if a syndicate of their workers win on the lottery and decided to leave work. 

This got the team thinking about insurances that don’t exist, such as: 

1) Alien Abduction Insurance. In theory, this would pay out if you could prove you’ve been abducted by aliens.

2) Zombie Apocalypse Insurance. In theory, this type of insurance would pay out if you prove you’ve become the victim of a zombie apocalypse. Think ‘Shaun of the Dead’ or ‘Marvel Zombies’

3) Divorce Insurance. This was once legal in Russia but insurance is supposed to protect you against distant possibilities with massive financial consequences. This type of insurance is just too open to scams for a proper insurer to offer it.

Whilst this is quite a fun blog, behind the frivolity is a serious message. We cannot insure you against something which you can’t claim for. It’s not ethical and it’s not legal.

Are you sure I can’t insure myself against an alien spaceship crashing into my house?

Well, that is different. Most property insurance policies in the UK do cover you against impact by aircraft or aerial devices, so damage caused by a spaceship, whether it’s from NASA or Mars would be covered. Although if it were an alien spaceship, we suspect any photographs taken would make you an absolute fortune, so you probably wouldn’t need to claim from your policy anyway!

What if my PC gets hit by a zombie attack – are you telling me that’s not insured either?

In computing terms, a zombie is a computer connected to the Internet that has been compromised by a hacker via a computer virus, computer worm or trojan horse program, and can be used to perform malicious tasks under the remote direction of the hacker. And yes, if you have Cyber insurance this would be insured. But it wouldn’t be insured under a standard home or business insurance policy.

If a zombie virus causes a pandemic? Would that be insured?

Realistically, after how much Covid claims cost UK Insurers (over £2 Billion) no insurer is going to give a blanket unspecified disease cover under the Business Interruption section of a business insurance policy. Sorry!

What if I got bitten by a zombie whilst on holiday, would my travel insurance cover it?

Well, if you got bitten by a dog on holiday then yes, your travel insurance policy would operate, so we can’t imagine being bitten by a zombie would be any different.

If we were attacked by aliens and caused the end of the world, would I be insured?

If we were all killed by aliens you might struggle to find someone to process your claim. So no, sorry don’t hold your breath.

Isn’t all insurance just a scam?

Definitely not. Over £20 Billion in claims were paid out in the UK in 2024, so insurance is definitely not a scam. It is a heavily regulated industry which is why we don’t offer spurious types of policies!

Which insurance companies offer Zombie or Alien or Divorce insurance? 

None. We only offer sensible insurance policies underwritten by serious insurance companies.

If you'd like to talk to us about any kind of insurance, please get in touch.