Most people take out insurance out on their car, house and health. Some celebrities and sports people take out insurance on their bodies as it is their livelihood. There are many people who wish to take out insurance on ridiculous things and what`s more ridiculous is the fact that some insurance companies allow it.

Here`s a list of some of the strangest things people take out insurance on.

1. Twins insurance

If you are expecting an addition to your family you may be interested in twin insurance. It insures you against additional costs with having more than one child but most insurers demand the insurance be in place before you reach 12 weeks or have a scan.

2. Alien abduction insurance

If you ever worry about being abducted by aliens then this policy is for you. Insurance companies will pay out if you can prove you have been abducted and returned to earth. Some companies even cover for impregnation by aliens.

3. Spooksafe insurance

This insurance covers people for receiving trauma by the hands of ghosts. The policy also covers you for up to £1 million if you can prove you had been transformed into a vampire or werewolf.

4. Ransom insurance

Some people take out ransom insurance. This protects their family from the effects of kidnapping. It covers the ransom being demanded and also the delivery cost.

5. Conceiving immaculately insurance

Several years ago, three religious sisters from Scotland insured themselves against “conceiving immaculately”. A British Insurance company provided them with £1 million worth of cover, should one of them turned out to be carrying the second coming. There was harsh criticism of a policy that was designed to cover the cost of bringing up a second Jesus. The Catholic Church was less than impressed and the insurance policy was withdrawn.