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Chubb To Offer UK 'Troll Insurance' Policy ( 76

An anonymous reader writes: Insurance group Chubb will start offering the UK's first cyber-bullying policy – 'troll insurance' – through which it will accept claims of up to £50,000 to cover counselling and relocation costs, as well as time spent out of work. Chubb will provide its personal insurance policy customers the option to claim expenses ensued from online abuse. Cyberbullying is defined by the insurer as 'three or more acts by the same person or group to harass, threaten or intimidate a customer.' While the new insurance option is targeted towards parents concerned about their children's online activities, adults who are targeted by cyber abuse will also be able to make a claim.
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Chubb To Offer UK 'Troll Insurance' Policy

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  • by Dunbal ( 464142 ) * on Thursday December 10, 2015 @01:22PM (#51095497)
    I hope Chubb thought this out carefully because they will need to self insure...
    • by Anonymous Coward

      I think it's brilliant. I'm unfamiliar with insurance companies in the UK, but if they're at all like the ones in the US, they like to sue whoever caused the claim to occur unless it's the policy holder in which case they either attempt to not pay out, raise rates or both. Toss in the usual wide territories that insurance companies tend to operate in and they can sue in the perpetrators home district. And they tend to be ruthless at finding out who to sue. It adds a very real risk to online trolls which

      • Actually my first thought was...

        Is this reallysuch a widespread, common problem that people need insurance for it???

        Is there really a need/market for this?

        Would it not be cheaper to maybe grow a bit thicker skin?

        • by TheRaven64 ( 641858 ) on Thursday December 10, 2015 @02:39PM (#51095993) Journal

          Is this reallysuch a widespread, common problem that people need insurance for it

          I think that you misunderstand insurance. The things that you want to offer insurance for are ones where the perceived risk is significantly higher than the actual risk. This lets you charge a hefty premium, with little risk of having to pay out.

        • by Proteus ( 1926 )

          Would it not be cheaper to maybe grow a bit thicker skin?

          There is a pretty significant difference between the hand-wringing over "someone was mean to me" and actually being harassed or bullied. Just because some Tumblr kids don't know the difference doesn't mean there is no difference.

          Harassment, for example, requires making contacts "in a manner that could be expected to cause distress or fear in any reasonable person" under UK law, not just being annoying. Growing a "thicker skin" isn't reasonable advice

          • by Mashiki ( 184564 )

            Well that covers the special snowflakes out there with no problem, especially the ones that claim they've gotten PTSD from a tweet.

            • by sjames ( 1099 )

              A drop of water on the forehead does you no harm. Unless you know there will be another, and another, and another, and that it won't stop or even relent in the foreseeable future.

        • by mikael ( 484 )

          There are online pressure groups that are going around pushing for change. There was a petition organised to get Trump's honorary degree revoked. Similar tactics can be used to organize a boycott of a country's or a corporations products. In the UK, we have had invited speakers to university debating discussion halls, shouted and hounded out of the room by small minorities of people.

    • by lgw ( 121541 ) on Thursday December 10, 2015 @02:08PM (#51095795) Journal

      I hope Chubb thought this out carefully because they will need to self insure...

      Oh, there will be fraud at first. but IMO this will end quite well. Many claims of "harassment so bad I had to flee my home" are bogus, often coupled with GoFundMes that bring in considerable funds for the person putting on the show. If done carefully, none of that is obviously illegal, being a very roundabout sort of fraud.

      But it's different when you file a police report (and at least one professional victim found out the hard way that filing fake police reports is a crime), and insurance companies depend on police reports as their primary anti-fraud mechanism. I look forward to the professional victims who try this fraud, and discover that adding "insurance fraud" to "filing a fake police report" was a serious mistake.

      Hopefully this will end with a lot less fraud among people claiming real harassment.

    • Not well thought out at all.
      1) Buy cyberbullying insurance
      2) Create anonymous account to bully my own child
      3) Have Chubb pay for my next move
      4) Profit!
  • by Anonymous Coward

    Go on 4chan.
    Tell them about your seven proxies and troll insurance.

  • Anyone making claims through this will inevitably be referred to as Chubbies.

  • Step one: Sign up.
    Step two: Run for office.

  • I'd like to see how they propose to do that.
  • by slashmydots ( 2189826 ) on Thursday December 10, 2015 @01:47PM (#51095671)
    For the low, low price of $1 US I will offer get the fuck over it insurance. If you're the victim of cyber bullying and harassment I will send you messages reminding you that it's just some dumbass social reject autistic piece of human garbage whose opinions and statements should have no weight against your self confidence. I'll also remind you that they do not represent society as a whole and you should honestly just disregard all the stupid bullshit they're saying.
    • by Anonymous Coward

      Having experienced this I can tell you it isn't that easy to just get past. I have a lot of friends online, and an part of several communities. After being trolled I was forced out of some of them, forced out of the places I previously felt comfortable and happy.

      I expect you still think I should just get over it, but screw you. I'm a normal, social person, it hurts and by comparison to what has happened to some people it's not even that bad.

  • Insurance is the biggest scam perpetrated against humanity since religion. It's nothing but a scare tactic to make one believe they need to throw their money away or something bad will happen.

    On average, most people in the U.S. will lose, over their lifetime, at least $250K to insurance. That's money which will never be recovered or used for more worthwhile endeavors such as food, clothing or housing. It's gone. Forever. And you gained no benefit for it.

    What a scam.

    • by pla ( 258480 )
      On average, most people in the U.S. will lose, over their lifetime, at least $250K to insurance

      That little? Wow. Hell, medical insurance alone over a 40-year career will come out to more than that. Throw in another grand per year each for the car and house...

      And you gained no benefit for it.

      You mean you don't consider the warm and fuzzy feeling you get from lining the coffers of a corporate parasite a "benefit"? Well, to each their own, I suppose.
      • That's why I said at least. I'm being very conservative. Obviously in places such as New York, LA, San Francisco or Chicago people will waste significantly more money on insurance, but that is balanced against people who will waste significantly less in other parts of the country.

        For instance, my car insurance is less than $500/year. Over 40 years that's only $20K I'm wasting and that isn't the entire time I would be driving.

    • You, apparently, have never considered what it's like for someone who has been in an accident caused by someone with no auto insurance. They walk away from the whole thing more or less scot-free, and you're left with no working vehicle (that you may still be making payments on) and maybe no way to afford repairing it anytime soon (or replacing it if it's totalled). Meanwhile the jerk with no insurance, who more likely than not has no money and no regular income (or at least so little income that there's not
      • Ok, so pass a law that claims go through government, and you must pay it off in so-many-years with low interest, whilst the government fronts the bill. Then, everyone is "covered", and no insurance company leeches make money.
        • So you want more and bigger government? Also, you want it to take months or even years for your claim to be processed, while it goes through government bureaucracy? You think private sector insurance companies are bad, just wait until the government is handling it.
    • by Proteus ( 1926 )

      Insurance is a way to externalize risk by diluting it among a population -- I can take a known loss instead of accepting the entire risk of something bad happening. By definition, most people have to actually realize less risk than the individual insurance rate covers, but you gain huge advantages to having certainty of what your risk is.

      Take fire insurance, for example. I insure a building that would cost $200k to rebuild, and it costs me $50/month. Given the chance of a fire actually occurring and causin

  • This isn't going to last long. To pay for itself the premiums will have to be insane. With all the people claiming they've been hurt by "cyber bullying" these days, Chubb's going to go broke unless they discontinue this option very soon or charge so much that no one will buy it. Which will, of course, cause them to discontinue the option.

    • by Falos ( 2905315 )
      Have a little faith in capitalism leeching from rubes, it's what they do best.

      As (facetiously) remarked at Ars:
      >This policy only covers the websites and services listed in Paragraph H. Travel to other destinations including but not limited to 4Chan, ExtremeTech and is not covered by this policy.
  • Depends on whether they consider it insurance fraud if you post on creationist and conspiracy theorist boards...

  • by DRMShill ( 1157993 ) on Thursday December 10, 2015 @02:33PM (#51095953)

    offer protection against lunatic SJW mobs that will try to ruin your life if you ever use incorrect speech?

  • Like, just close your eyes!
  • First claim's on me. Anyone who buys this insurance is a pathetic useless idiot.

Someday your prints will come. -- Kodak