Cover against lightning, since MMXXVI
If you survive a lightning strike, we send you a card.
That is the entire policy. Three dollars a year, and if you are struck by lightning and live, Sara writes you a Get Well Soon card by hand and puts it in the post.
No cash payout. Just the card, written by hand and posted to you.
The Policy
Schedule of Coverage
| The Assured | You, the policyholder |
| Peril Insured | Lightning |
| Sum Assured | One handwritten Get Well Soon card |
| Penned By | Sara, our intern |
| Annual Premium | $3.00, billed yearly |
| Excess | None |
| Territorial Limits | Worldwide |
| Settlement | By post, with a stamp |
Making a claim
Proof of strike
Send us evidence that you were struck by lightning. A photograph, a hospital note, or a witness will do.
Proof of survival
You have to have survived the strike. It is a Get Well Soon card, so this is a condition of cover.
Tell us
Reply to your policy email with the above. There are no forms to fill in.
We post your card
Sara writes your card by hand and puts it in the post, usually within ten working days.
On our underwriting
Every policy is underwritten in-house, by hand. No third parties, no reinsurers, no committee. Just Sara, at her desk.
The Claims Department
Every card is written by hand.
When a claim is approved, it goes to one desk: Sara’s. She is our intern. She picks the words, draws the little terrier, and presses the wax seal herself.
No two cards are alike. No template and no print run. A real person, wishing you well.
Sara, Underwriting & Stationery
From the policyholders
“A bolt came down on the paddock. I was fine. The card arrived that Tuesday.”
M. Hartley, policyholder
“No strike yet. I sleep better knowing Sara is standing by.”
Anonymous, Cheshire
“The handwriting is lovely. I framed it.”
D. Okafor, policyholder
Common questions
Do I have to be struck by lightning to qualify?
No. You pay for the cover. We hope you never need to claim.
Why a Tibetan Terrier?
She is our mascot. You do not need to own one, or any dog, to be covered.
What do I get?
A real card, written by hand, with a stamp. No PDF, no money, no payout.
Can I cancel?
Yes, anytime. Use Manage subscription in the footer to open the Stripe billing portal.
Take out a policy
Three dollars a year.
Take out your policy today. It takes a minute. Your policy email arrives the moment you are covered.
- One handwritten Get Well Soon card, penned by Sara
- Cover against lightning, worldwide, all year
- A real card, a real envelope, a real stamp
- Cancel anytime
The fine print
- This is a Get Well Soon card, not a financial product. No money is ever paid out.
- The card is the entire settlement. There is no upgrade and no other benefit.
- You have to survive the lightning strike to claim. This is a condition of cover.
- $3 per year, billed annually through Stripe. Cancel anytime from the manage subscription page.
- Tibetan Terrier Lightning Insurance is a hobby, lovingly run, and not a regulated insurer.
- This site is operated by Great Land of Gems! LLC.