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* On ''Series/FamilyMatters'', the Winslows' insurance company decided to heavily increase their premium payments (and implied that they will deny claims more often from now on) just on the basis of having [[WalkingDisasterArea Steve Urkel]] as a neighbor (whether or not he is actually to blame for whatever damages the Winslows are claiming).
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* ''Film/ShortTime'': Most of the plot happens because Detective Burt Simpson, who is MistakenForDying, checks his life insurance and discovers that it will only pay the complete amount (which he needs to fund sending his child to Harvard) [[{{Retirony}} if he is killed in the line of duty (and his retirement is also two days away)]]. Cue SpringtimeForHitler as he tries to commit [[SuicideByCop Suicide by Crook]] repeatedly and things just go "well" for him.
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* Arya's first mark in Literature/ASongOfIceAndFire as a Faceless Man assassin is to kill an insurance broker known to cheat some of his clients out of claims.
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* Arya's first mark in Literature/ASongOfIceAndFire ''Literature/ASongOfIceAndFire'' as a Faceless Man assassin is to kill an insurance broker known to cheat some of his clients out of claims.
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* In an episode of LiveActionTV/House, House has a water leak that significantly damages his ceiling. Unfortunately, his estimate with a contractor reveals that based on what he sees, House's home insurance agency will deny a claim based upon neglect. House proceeds to bribe the contractor, many times more than what he'd really pay for the repairs, to get the contractor to change his report. When asked why by the contractor, who is happy to accept twice the pay for the same work but is curious, House replies that it's the principal of the thing.
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* In an episode of LiveActionTV/House, ''Series/{{House}}'', House has a water leak that significantly damages his ceiling. Unfortunately, his estimate with a contractor reveals that based on what he sees, House's home insurance agency will deny a claim based upon neglect. House proceeds to bribe the contractor, many times more than what he'd really pay for the repairs, to get the contractor to change his report. When asked why by the contractor, who is happy to accept twice the pay for the same work but is curious, House replies that it's the principal of the thing.
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* ''WesternAnimation/{{Rugrats}}'': There was an episode featuring an insurance salesman selling insane policies that included "against bees IF they're a specific species that migrated from Africa". Then Tommy and the gang accidentally flooded the house, and Stu immediately said "so we're insured now, right?" The salesman ran away hyperventilating.
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* ''WesternAnimation/{{Rugrats}}'': There was an episode featuring an insurance salesman selling insane policies that included "against bees IF they're a specific species that migrated from Africa". [[note]]Not ''quite'' as absurd as it sounds; there were a lot of scare stories in the press about "hybridized African killer bees" at the time.[[/note]] Then Tommy and the gang accidentally flooded the house, and Stu immediately said "so we're insured now, right?" The salesman ran away hyperventilating.
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* One character in the Creator/TimDorsey novel ''Florida Roadkill'' is an insurance executive who specializes in rejecting claims, ''especially'' if they're about something covered in the actual policy. He ends up getting shot and dies when his request for treatment is rejected because the HMO routes the request for payment to his office.
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* One character in the Creator/TimDorsey ''Literature/SergeStorms'' novel ''Florida Roadkill'' is an insurance executive who specializes in rejecting claims, ''especially'' if they're about something covered in the actual policy. He ends up getting shot and dies when his request for treatment is rejected because the HMO routes the request for payment to his office.
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Updating Link, Alphabatizing
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* In ''ComicBook/JudgeDredd'', pop sensation Pug Ugly is murdered on stage, and the perp is killed while resisting capture. It turns out the guy had taken out dozens of life insurances on himself, planning to get killed to make his mother rich. Unfortunately, Mega-City insurance companies always include the standard "claim void if killed by a Judge on duty".
* One Disney comic had Rockerduck (Scrooge's business rival) insure a box of cigars for a massive policy, with one of Scrooge's insurance agencies. (Scrooge is forced to accept it, though he objects loudly.) Rockerduck at first suggest smoking the cigars to cash in the policy, but fortunately Scrooge points out that intentional fires constitute grounds for fraud (or that intentionally lit fires aren't covered by the use of the word "fire" in the policy.) However, putting the box in a pine house in the middle of a pine forest during thunder season is perfectly legal.
* One Disney comic had Rockerduck (Scrooge's business rival) insure a box of cigars for a massive policy, with one of Scrooge's insurance agencies. (Scrooge is forced to accept it, though he objects loudly.) Rockerduck at first suggest smoking the cigars to cash in the policy, but fortunately Scrooge points out that intentional fires constitute grounds for fraud (or that intentionally lit fires aren't covered by the use of the word "fire" in the policy.) However, putting the box in a pine house in the middle of a pine forest during thunder season is perfectly legal.
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* ''ComicBook/{{Daredevil}}'': In ''ComicBook/JudgeDredd'', pop sensation Pug Ugly is murdered on stage, and ''ComicBook/BornAgain'', after Nuke's rampage through Hell's Kitchen, the perp is killed while resisting capture. It turns out the guy owners of a diner Matt had taken out dozens of life insurances on himself, planning to get killed to make his mother rich. Unfortunately, Mega-City been working at say that their insurance companies always include company refuses to pay their claim and that they don't have the standard "claim void if killed by money to hire a Judge on duty".
lawyer. Since Matt has been disbarred, he takes some cash from a group of criminals he beats up to help repair the diner.
* ''ComicBook/DisneyDucksComicUniverse'': One Disney comic had Rockerduck (Scrooge's business rival) insure a box of cigars for a massive policy, with one of Scrooge's insurance agencies. (Scrooge is forced to accept it, though he objects loudly.) Rockerduck at firstsuggest suggests smoking the cigars to cash in the policy, but fortunately fortunately, Scrooge points out that intentional fires constitute grounds for fraud (or that intentionally lit fires aren't covered by the use of the word "fire" in the policy.) However, putting the box in a pine house in the middle of a pine forest during thunder season is perfectly legal.
* ''ComicBook/DisneyDucksComicUniverse'': One Disney comic had Rockerduck (Scrooge's business rival) insure a box of cigars for a massive policy, with one of Scrooge's insurance agencies. (Scrooge is forced to accept it, though he objects loudly.) Rockerduck at first
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* In ''ComicBook/DaredevilBornAgain'', after Nuke's rampage through Hell's Kitchen the owners of a diner Matt had been working at say that they insurance company refuses to pay their claim, and they don't have the money to hire a lawyer. Since Matt has been disbarred, he takes some cash from a group of criminals he beats up to help repair the diner.
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* In ''ComicBook/DaredevilBornAgain'', after Nuke's rampage through Hell's Kitchen ''ComicBook/JudgeDredd'': Pop sensation Pug Ugly is murdered on stage, and the owners of a diner Matt perp is killed while resisting capture. It turns out the guy had been working at say that they taken out dozens of life insurance company refuses on himself, planning to pay their claim, and they don't have get killed to make his mother rich. Unfortunately, Mega-City insurance companies always include the money to hire standard "claim void if killed by a lawyer. Since Matt has been disbarred, he takes some cash from a group of criminals he beats up to help repair the diner.Judge on duty".
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* In an episode of LiveActionTV/House, House has a water leak that significantly damages his ceiling. Unfortunately, his estimate with a contractor reveals that based on what he sees, House's home insurance agency will deny a claim based upon neglect. House proceeds to bribe the contractor, many times more than what he'd really pay for the repairs, to get the contractor to change his report. When asked why by the contractor, who is happy to accept twice the pay for the same work but is curious, House replies that it's the principal of the thing.
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* A minor plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets yelled by his boss at an insurance company for helping claimants get around the red tape. As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract, leaving the company open to class-action suits and regulatory sanctions. Unfortunately, TruthInTelevision as insurance companies will use the "delay, deny, defend" maneuver to protect their bottom line.
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* A minor plot point in ''WesternAnimation/TheIncredibles''.''WesternAnimation/TheIncredibles1''. Mr. Incredible gets yelled by his boss at an insurance company for helping claimants get around the red tape. As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract, leaving the company open to class-action suits and regulatory sanctions. Unfortunately, TruthInTelevision as insurance companies will use the "delay, deny, defend" maneuver to protect their bottom line.
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[[folder:Film]]
* In one of the Danish ''Film/OlsenBanden'' movies, the titular gang of heroic thieves are working for a CorruptCorporateExecutive who owns an insurance-company, tasked to steal a MacGuffin containing sensitive information for him. Once they retrieve it, however, he decides that it would be cheaper to just kill them and take the MacGuffin, rather than pay them the two million he promised. Narrowly escaping an attempt on his life, Olsen -- knowing that nobody ELSE would be willing to pay for the information -- comes up with a plan: He takes out a life-insurance with the company, with a 2.000.000 payout. Thus, it would no longer be economical for the Corrupt CEO to kill him, since it would cost as much as negotiating, while involving more dangers. But when he shows it off to the CEO, he just laughs and points him to the 'small print', which shows the exceptions to the policy, many of which could be easily used for arranging an 'accident'. Cue Olsen tied up on a conveyor-belt over a vat of acid.
* In one of the Danish ''Film/OlsenBanden'' movies, the titular gang of heroic thieves are working for a CorruptCorporateExecutive who owns an insurance-company, tasked to steal a MacGuffin containing sensitive information for him. Once they retrieve it, however, he decides that it would be cheaper to just kill them and take the MacGuffin, rather than pay them the two million he promised. Narrowly escaping an attempt on his life, Olsen -- knowing that nobody ELSE would be willing to pay for the information -- comes up with a plan: He takes out a life-insurance with the company, with a 2.000.000 payout. Thus, it would no longer be economical for the Corrupt CEO to kill him, since it would cost as much as negotiating, while involving more dangers. But when he shows it off to the CEO, he just laughs and points him to the 'small print', which shows the exceptions to the policy, many of which could be easily used for arranging an 'accident'. Cue Olsen tied up on a conveyor-belt over a vat of acid.
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* In one of the Danish ''Film/OlsenBanden'' movies, the titular gang of heroic thieves are working for a CorruptCorporateExecutive who owns an insurance-company, tasked to steal a MacGuffin containing sensitive information for him. Once they retrieve it, however, he decides that it would be cheaper to just kill them and take the MacGuffin, rather than pay them the two million he promised. Narrowly escaping an attempt on his life, Olsen
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* The plot of ''Film/TheManWhoSuedGod'' starts because the protagonist's boat got destroyed during a storm and his insurance company refuses to pay since the storm was an "act of God". [[spoiler:While he had to back down because he can't afford to deal with a trial, he sets enough of a legal precedent that the local clergy sues the company for "using God's name in vain".]]
* The main character of ''Film/FatalInstinct'' has a life insurance policy that only pays out in full if he dies from being shot with a pistol, falling out of a northbound train, and landing in a river. So his wife comes up with a plot to do just that so she can cash in and elope with her lover.
* The main character of ''Film/FatalInstinct'' has a life insurance policy that only pays out in full if he dies from being shot with a pistol, falling out of a northbound train, and landing in a river. So his wife comes up with a plot to do just that so she can cash in and elope with her lover.
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[[folder:Films -- Live-Action]]
* In one of the Danish ''Film/OlsenBanden'' movies, the titular gang of heroic thieves are working for a CorruptCorporateExecutive who owns an insurance-company, tasked to steal a MacGuffin containing sensitive information for him. Once they retrieve it, however, he decides that it would be cheaper to just kill them and take the MacGuffin, rather than pay them the two million he promised. Narrowly escaping an attempt on his life, Olsen -- knowing that nobody ELSE would be willing to pay for the information -- comes up with a plan: He takes out a life-insurance with the company, with a 2.000.000 payout. Thus, it would no longer be economical for the Corrupt CEO to kill him, since it would cost as much as negotiating, while involving more dangers. But when he shows it off to the CEO, he just laughs and points him to the 'small print', which shows the exceptions to the policy, many of which could be easily used for arranging an 'accident'. Cue Olsen tied up on a conveyor-belt over a vat of acid.
* The plot of ''Film/TheManWhoSuedGod'' starts because the protagonist's boat got destroyed during a storm and his insurance company refuses to pay since the storm was an "act of God". [[spoiler:While he had to back down because he can't afford to deal with a trial, he sets enough of a legal precedent that the local clergy sues the company for "using God's name in vain".]]
* The main character of ''Film/FatalInstinct'' has a life insurance policy that only pays out in full if he dies from being shot with a pistol, falling out of a northbound train, and landing in a river. So his wife comes up with a plot to do just that so she can cash in and elope with her lover.
[[/folder]]
* In one of the Danish ''Film/OlsenBanden'' movies, the titular gang of heroic thieves are working for a CorruptCorporateExecutive who owns an insurance-company, tasked to steal a MacGuffin containing sensitive information for him. Once they retrieve it, however, he decides that it would be cheaper to just kill them and take the MacGuffin, rather than pay them the two million he promised. Narrowly escaping an attempt on his life, Olsen -- knowing that nobody ELSE would be willing to pay for the information -- comes up with a plan: He takes out a life-insurance with the company, with a 2.000.000 payout. Thus, it would no longer be economical for the Corrupt CEO to kill him, since it would cost as much as negotiating, while involving more dangers. But when he shows it off to the CEO, he just laughs and points him to the 'small print', which shows the exceptions to the policy, many of which could be easily used for arranging an 'accident'. Cue Olsen tied up on a conveyor-belt over a vat of acid.
* The plot of ''Film/TheManWhoSuedGod'' starts because the protagonist's boat got destroyed during a storm and his insurance company refuses to pay since the storm was an "act of God". [[spoiler:While he had to back down because he can't afford to deal with a trial, he sets enough of a legal precedent that the local clergy sues the company for "using God's name in vain".]]
* The main character of ''Film/FatalInstinct'' has a life insurance policy that only pays out in full if he dies from being shot with a pistol, falling out of a northbound train, and landing in a river. So his wife comes up with a plot to do just that so she can cash in and elope with her lover.
[[/folder]]
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Up To Eleven is a defunct trope
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** Taken UpToEleven in the sequel ''A Murder of Manatees: The Further Adventures of Tom Stranger, Interdimensional Insurance Agent'', where Tom calls an emergency meeting to discuss something horrible: a mere 4.5 (out of 5) star rating of Stranger & Stranger's customer service. Tom sees that missing half-star as a personal failure and, of course, as SeriousBusiness. The real reason? The previous story, which was written down and released as an audiobook on some Earths.
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** Taken UpToEleven in the The sequel ''A Murder of Manatees: The Further Adventures of Tom Stranger, Interdimensional Insurance Agent'', where Agent''; Tom calls an emergency meeting to discuss something horrible: a mere 4.5 (out of 5) star rating of Stranger & Stranger's customer service. Tom sees that missing half-star as a personal failure and, of course, as SeriousBusiness. The real reason? The previous story, which was written down and released as an audiobook on some Earths.
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Indentation
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* When WesternAnimation/TheSimpsons go to Italy, their car gets hit by Mortadella falling off a cheese truck. They got the cheese insurance, but it doesn't cover Mortadella.
** This counts as ''FridgeBrilliance'' since Mortadella isn't a cheese, it's a type of sausage.
** This counts as ''FridgeBrilliance'' since Mortadella isn't a cheese, it's a type of sausage.
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* When WesternAnimation/TheSimpsons go to Italy, their car gets hit by Mortadella falling off a cheese truck. They got the cheese insurance, but it doesn't cover Mortadella.
**Mortadella. This counts as ''FridgeBrilliance'' FridgeBrilliance since Mortadella isn't a cheese, it's actually a type of sausage.
**
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* Played as a RunningGag in ''VideoGame/KerbalSpaceProgram'' where the various scientific instruments you can bring along a voyage have a warranty in case of defects... but every single one of them will void that warranty if the instrument is used as intended. The warranty for "Atmospheric Fluid Spectro-Variometer" for instance, which only functions in a planet's atmosphere, will void if the device is exposed to air.
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* [[https://www.reddit.com/r/tumblr/comments/s3sc1s/villain_insurance/ Discussed in a Tumblr post]] about how [[ComicBook/{{Batman}} citizens of Gotham]], per the nature of the city with its countless supervillains, could only possibly get property insurance by splitting it up according to which ''specific'' villain's mayhem you wish to be ensured against. One guy gets screwed out of his "Poison Ivy insurance" because although his car was wrecked by one of her trees, it only hit his car because a completely unrelated villain tossed it around in a storm.
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* A minor plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets reprimanded by his boss at an insurance company for helping claimants get around the red tape. As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract, leaving the company open to class-action suits and regulatory sanctions. Unfortunately, TruthInTelevision as insurance companies will use the "delay, deny, defend" set of tactics to protect their bottom line.
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* A minor plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets reprimanded yelled by his boss at an insurance company for helping claimants get around the red tape. As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract, leaving the company open to class-action suits and regulatory sanctions. Unfortunately, TruthInTelevision as insurance companies will use the "delay, deny, defend" set of tactics maneuver to protect their bottom line.
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Corrected a sitcom character's last name
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* One of Dennis Dugan's scams on ''Series/ThirtyRock'' is suicide insurance.
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* One of Dennis Dugan's Duffy's scams on ''Series/ThirtyRock'' is suicide insurance.
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* A minor plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets into trouble with his boss at an insurance company for helping claimants get around the red tape. As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract, subjecting the company liable to class-action suits and regulatory sanctions.
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* A minor plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets into trouble with reprimanded by his boss at an insurance company for helping claimants get around the red tape. As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract, subjecting leaving the company liable open to class-action suits and regulatory sanctions.sanctions. Unfortunately, TruthInTelevision as insurance companies will use the "delay, deny, defend" set of tactics to protect their bottom line.
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* A minor plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets into trouble with his boss at an insurance company for helping claimants maneuver their way through the system.
** As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would make the company liable to class-action suits and regulatory sanctions.
** As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would make the company liable to class-action suits and regulatory sanctions.
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* A minor plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets into trouble with his boss at an insurance company for helping claimants maneuver their way through get around the system.
**red tape. As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would make contract, subjecting the company liable to class-action suits and regulatory sanctions.
**
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* A major plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets into trouble with his boss at an insurance company for helping claimants maneuver their way through the system.
** Given that Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would make the company liable to class-action suits and regulatory sanctions.
** Given that Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would make the company liable to class-action suits and regulatory sanctions.
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* A major minor plot point in ''WesternAnimation/TheIncredibles''. Mr. Incredible gets into trouble with his boss at an insurance company for helping claimants maneuver their way through the system.
**Given that As Insuricare uses [[ObstructiveBureaucrat stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would make the company liable to class-action suits and regulatory sanctions.
**
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[[folder: Advertising]]
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[[folder: Anime/Manga]]
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[[folder: Comic Books]]
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[[folder: Literature]]
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[[folder: Live Action TV]]
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[[folder: Magazines]]
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[[folder: Newspaper Comics]]
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[[folder: Radio]]
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[[folder: Video Games]]
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[[folder: Western Animation]]
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** Given that Insuricare uses [[ObstructiveBureaucrat various stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would make the company subject to class-action suits and potential sanctions by regulators.
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** Given that Insuricare uses [[ObstructiveBureaucrat various stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would make the company subject liable to class-action suits and potential sanctions by regulators.regulatory sanctions.
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** Given that Insuricare uses [[ObstructiveBureaucrat various tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would have made the company liable to class-action suits, and a possible scrutiny of its practices by regulators.
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** Given that Insuricare uses [[ObstructiveBureaucrat various stall tactics to deny]] its clients the claims they had the right to seek, this is actually a breach of contract. It would have made make the company liable subject to class-action suits, suits and a possible scrutiny of its practices potential sanctions by regulators.
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** Given that Insuricare uses various tactics to deny its clients the insurance claims they had the right to seek, this is actually a breach of contract, and would have made Gilbert Huph (Mr. Incredible's boss) liable to class-action lawsuits by his customers. In addition to monetary damages, this could potentially expose Insuricare's corrupt business practices.
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** Given that Insuricare uses [[ObstructiveBureaucrat various tactics to deny deny]] its clients the insurance claims they had the right to seek, this is actually a breach of contract, and contract. It would have made Gilbert Huph (Mr. Incredible's boss) the company liable to class-action lawsuits suits, and a possible scrutiny of its practices by his customers. In addition to monetary damages, this could potentially expose Insuricare's corrupt business practices. regulators.
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* Arya's first mark in Literature/ASongOfIceAndFire as a Faceless Man assassin is to kill an insurance broker known to cheat some of his clients out of claims.
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** Given that Insuricare uses various tactics to deny its clients the insurance claims they had the right to seek, this is actually a breach of contract, and would have made Gilbert Huph (Mr. Incredible's boss) liable to class-action lawsuits by its customers. In addition to monetary damages, this could potentially expose Insuricare's corrupt business practices.
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** Given that Insuricare uses various tactics to deny its clients the insurance claims they had the right to seek, this is actually a breach of contract, and would have made Gilbert Huph (Mr. Incredible's boss) liable to class-action lawsuits by its his customers. In addition to monetary damages, this could potentially expose Insuricare's corrupt business practices.
