Ever wondered how insurance companies would handle claims from superheroes? If those supersized superhero movies are anything to go by, then with caped crusaders roaming the streets, we’d say that property damage would be a daily occurrence.
Let’s be honest, if you were an insurance underwriter, would you really want to cover the guy who smashes through walls, shoots fire from his hands, or drives a flying car?
At King Price, we’re all about covering your car, home, business, and even your favourite tech gadgets… But what if we had to offer superhero insurance? Here’s a delightful romp into the imaginative world of how insuring superheroes would work.
Car insurance: The Batmobile vs. The Hulk’s ‘transport’
If superheroes needed car insurance, the Batmobile would be classified as a high-risk car, for sure. It’s armoured, full of expensive gadgets, and frequently involved in high-speed chases. While Batman (we think, we’re not sure) is a careful driver, his risk factor is through the roof, which means he’d be paying sky-high premiums. We’re talking premiums higher than what would be calculated for a teenager driving a sports car.
Now, the Hulk, on the other hand, doesn’t mess with cars. Unless it’s to literally make a mess. Seriously, when he’s not leaping kilometres at a time, he’s using cars as boxing gloves. We’d definitely have to reject his claim if he tried to insure a car… Because, well, he’d be the 1 smashing it in the first place.
Verdict: Batman’s Batmobile gets higher premiums with a hefty excess, but it’s insurable. The Hulk? Sorry, buddy.
Home insurance: The damage magnet clause
A superhero’s home is a guaranteed target. Whether it’s an underground lair, a space station, or a humble apartment, supervillains always seem to find a way to destroy it. The king covers all sorts of unexpected disasters, but even we’d struggle to insure a home that gets demolished every few months.Take Superman, for example. The guy’s apartment looks normal, but imagine the risk…
Laser vision damage to curtains? Claim denied. Accidentally sneezing a hole in the roof? Claim denied. Kryptonian fistfight in the kitchen? We’d have to consider our policy limits carefully.
For superheroes with frequent property damage, we’d have to introduce a special ‘damage magnet clause’, where the policy premium goes up every time an arch-nemesis launches an attack.
Verdict: Home insurance? Maybe. But with very strict exclusions.
Personal accident cover: Who pays for superhero injuries?
King Price offers a super affordable personal accident insurance policy that will be there for you in your time of need. For instance, if you’re in an accident, we can help you with medical expenses. The thing is, we’re not expecting you to get tossed into a building or thrown clear across town. We certainly don’t think being blasted into space counts as an ‘accident.’
Seriously, would the Flash be covered if he tripped at light speed and skidded 3 kilometres into a wall? Would Spider-Man’s web-slinging mishaps count as an accident or reckless behaviour? If Wolverine has healing powers, does he even need cover? And what about superheroes with immortal abilities? Would they ever actually make a claim?
Verdict: If we did offer personal accident cover for superheroes, it would come a clear definition of what counts as an accident and include loads of disclaimers. And we’d probably only offer it to regular human heroes (like Batman or Black Widow).
Gadget insurance: Tony Stark’s nightmare
Superheroes rely on high-tech gear, so you’d have to imagine that gadget insurance would be essential in their line of work. We’d definitely need a special policy for ‘enhanced individuals’ who carry gadgets that explode, fly, or hack into secure systems. But since we offer cover for smartphones, laptops, and even drones, we’d probably be 1 of the few insurers willing to take the risk. We’d just have to seriously hammer out the details of what can be claimed for. Like, if Iron Man’s suit gets a scratch, is that wear and tear or an insured event?
That’s the kind of thing we’d have to figure out.
Verdict: If the Iron Man suit counts as a gadget, we’re in business. But we’re drawing the line at time machines.
You’re a superhero to us
We love a good challenge, but superheroes might just be too risky to insure. The amount of damage they cause (even unintentionally) would send our underwriters into meltdown.
The thing is, you’re all superheroes to us and while we don’t have all the Ts crossed for the Hulk’s personal accident insurance, we do have all the cover you need to cover your valuables.
WhatsApp us on 0860 50 50 50 or click here for a commitment-free quote.