Have you ever watched a movie or series and thought about how bad-ass their cars were? Cars in fiction tend to get the really short end of the proverbial stick. They get blown up, tossed into active intergalactic conflict, or get covered in ectoplasmic residue.
Insurance-wise, these cars would probably give providers a run for their money given the scrapes their owners get them into. Here are five cars that could probably use a customized insurance cover. Please note that these aren’t actual insurance covers, but are hypothetical ones suited to the fictional car in question.
Image via The Supernatural Wiki
Baby (1967 Chevy Impala)
From: Supernatural (TV Series)
Custom Cover: Supernatural Possession Liability
Fans of Supernatural are undoubtedly familiar with Sam and Dean Winchester’s 1967 Chevrolet Impala. This car has seen a lot of action over the course of the series: it’s been destroyed, rebuilt, and possessed by malevolent spirits. Given that last one and if they could actually get insurance, they would benefit from Possession Liability cover so that the next time any ghost takes their car out for a joyride, they could have exorcised, and acquire compensation.
Image via The Loughbrough Echo
DX Mark 10 (Mazda RX-8)
From: Ben 10: Alien Swarm (TV Film)
Custom Cover: Intergalactic Travel Damage
If you have kids, chances are you’ve probably been subjected to a viewing of Ben 10 at some point. He’s a teenager, so he’s got a car, but he also happens to be an intergalactic hero. Given that he drives the DX Mark 10 all over the galaxy, a custom policy for him would probably indemnify against asteroid damage or unlawful conscription. The character himself has mentioned that his insurance is expensive for a teenager in an episode of Ben 10 Ultimate Alien, undoubtedly because of his occupation.
Image via The Ghostbusters Wiki
The Ecto-1 (1959 Cadillac Fleetwood)
From: The Ghostbusters (Film)
Custom Cover: Paranormal Acts Liability
Who’re you gonna call? No, seriously. The Ghostbusters (and the citizens of New York) would benefit from a Paranormal Acts cover on their cars with all kinds of paranormal phenomena: bursts of electricity, ectoplasm explosions, poltergeist activity, and other things that go bump in the night. Insuring the Ecto-1 would also undoubtedly be expensive in 2015, given that it is actually a Miller-Meteor Futura Ambulance/Hearse combo mounted onto a 1959 Cadillac Fleetwood Professional Chassis.
Image via New York Daily News
Doc Brown’s Time Machine (DeLorean DMC-12)
From: Back to the Future (Film)
Custom Cover: Temporal Displacement Liability
Where you’re going, you don’t need roads, but you might need insurance. Given the nature of its use as both car and Time Machine, Doctor Emmett Brown might require a policy that allows him to be protected against Temporal Displacement (which basically means leaving the car at a different time than was intended). A policy like this might be the most complicated, given the fact of Time and shifting Premium rates.
Image via The Daily Mail
The Black Beauty (1965 Chrysler Imperial)
From: The Green Hornet (Film)
Custom Cover: Extreme Property Damage
While the film didn’t exactly impress a lot of people, the car itself was really impressive. Given the fact that it was a 1965 Chrysler Imperial that Kato stripped down and essentially weaponized to help Brett Reid fight crime, it would probably need an enhanced property damage policy. This Its cover is probably the most normal out of the cars on this list.
While these policies are purely fictional, as are the cars that they apply to, it still matters that a car is covered beyond the standard Compulsory Third-Party Liability policy. It’s never a bad thing to be prepared for the worst possible outcome.