Spooksafe “insurance policy” protects against paranormal and supernatural losses. ‘Spook’ means Ghost. The policy covers, like life and disability policy, the costs that may arise from haunting encounters, including:
- Death or Injury by the paranormal
- Damage to personal property caused by the paranormal
- Attacks by vampires and/or werewolves
A British pub owner availed a Spooksafe policy after seeing ‘ghosts’ throwing glasses in his bar. Worried these ghosts may cause bodily harm or death to him or his patrons, he took a Spooksafe policy with a yearly premium of £500. The policy covered death or injury to staff or customers for up to £1 million!
In another instance, a woman was thrown from a staircase in her home; the guilty party was declared as a ghost and the death resulted in a payment of $100,000 by her insurers!
Spooksafe is real, and insurers have paid out to insureds who convincingly demonstrated that they have suffered ghost-related loss. In the UK, the cover was offered by the insurance firm Ultraviolet. However, this insurance was stopped between 2001 and 2002.