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Action Insurance Gag

 Action Insurance Gag
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 Action Insurance Gag
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Action Insurance Gag
 Action Insurance Gag
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ActionInsuranceGag
 Action Insurance Gag
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Action-oriented films, books, video games etc. tend to feature a great deal of very destructive behaviour: Stuff Blowing Up, car chases (and crashes), vandalism of private property. Some films will lampshade this by having a character ask another character if they have insurance immediately before destroying something of theirs (or say something similar immediately after having done so). Another way of looking at it is that it's a means of lampshading Hero Insurance.
Variants can include the owner having just paid off the mortgage on the property in question (which would make this a sort of material goods equivalent of Retirony).
Compare Pre-Mortem One-Liner, Bond One-Liner. For added irony, one can combine this trope with Impossible Insurance or Insurance Fraud.
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2023-10-16T00:50:14Z
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2023-10-16T00:50:14Z
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 Action Insurance Gag / int_2126592a
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Action Insurance Gag
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Girls und Panzer: Spoofed when it's revealed that any property damaged by the schools' tank battles is automatically covered by insurance. One spectator is delighted when his shop is ruined by the tanks; he'd been wanting to renovate the place, and now he has both an excuse and the money to do so!
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In The Simpsons episode "Strong Arms of the Ma", Homer talks a roided-up Marge out of totaling Moe's Tavern, and Moe decides to set the place on fire to cover for his losses. After he starts by burning down the counter, he's reminded of a little something:
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Action Insurance Gag
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The MythBusters often joke about this right before wrecking/blowing something up. One "coming up next" blurb featured a car hanging from a crane, and Kari with the quick-release cable saying "Find out why we can't get car insurance!" (Though on a more serious note, the show does carry some pretty hefty insurance for when a test goes wrong, and they've had to pay out a few times.)
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Action Insurance Gag
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From the Looney Tunes cartoon "A Tale of Two Kitties," as an airborne Catstello is being seized upon by artillery flack:
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The World Is Not Enough
After the ski chase and parachute gun battle, Dr. Arkov complains to Renard about losing four parahawks during the fight. They were rented and the rental company is going to be pissed.
Bond goes to Valentin Zukovsky's caviar factory to interrogate him about his connection to the Big Bad, only to be ambushed by some Mooks piloting a helicopter with a saw-blade attachment; Bond and Zukovsky manage to fight them off, but the factory is almost completely destroyed in the fight. As the scene ends, Zukovsky can be heard lamenting that "The insurance company is never going to believe this!"
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In Alpha Protocol, if Steven Heck is your handler for the last mission then you'll get this exchange when your evac chopper is blown up:
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Action Insurance Gag
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RoboCop does a similar gag in RoboCop 3, when he's about to shoot his way through a hotel McDagget and the Rehabs are staying at.
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Action Insurance Gag
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In Power Rangers Samurai, We get an "I hope that building was insured" quip when one gets demolished during a Combining Mecha vs. Kaiju battle.
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Action Insurance Gag
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Calvin and Hobbes. Several Spaceman Spiff strips have Spiff complaining that he just paid off / washed and waxed his spaceship as it goes down in flames, or regretting not taking a better insurance policy.
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Action Insurance Gag
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The Dogs of War. The mercenaries planning a coup in a small African republic are told to take out insurance for a short sea voyage from Europe to Africa. Any survivors would swear that the covered party fell overboard, or lost a limb due to shifting cargo during a storm.
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Action Insurance Gag
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In Wings of Liberty, when the Odin comes under fire offscreen, Tychus quips "Hope this thing's insured."
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Action Insurance Gag
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Both the Neon Genesis Evangelion TV series and the manga by Yoshiyuki Sadamoto feature Misato getting angry (thinking about it in the series, a panicky rant in the manga) about her car being thrashed via N2 Mine going off close to it and having payments left.
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James Bond:
In Tomorrow Never Dies. Given that there's a Running Gag of Bond destroying the equipment he gives him, Q insists that Bond sign an insurance damage waiver before handing over his latest Bond car. Which is just as well as this car suffers the same fate as the others.
The World Is Not Enough
After the ski chase and parachute gun battle, Dr. Arkov complains to Renard about losing four parahawks during the fight. They were rented and the rental company is going to be pissed.
Bond goes to Valentin Zukovsky's caviar factory to interrogate him about his connection to the Big Bad, only to be ambushed by some Mooks piloting a helicopter with a saw-blade attachment; Bond and Zukovsky manage to fight them off, but the factory is almost completely destroyed in the fight. As the scene ends, Zukovsky can be heard lamenting that "The insurance company is never going to believe this!"
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Devil May Cry 3: Dante's Awakening: When the demon attack on the city destroys Dante's shop at the start of the game, he taunts the involved demons by shouting "I hope you all have enough to cover all of this!"
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In The Simpsons Hit & Run, Homer may blurt out "I have no insurance!" when he hits another car.
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A variant: CinemaSins has a series of videos on Youtube under the heading "What's the Damage?" that keeps a running count on particular movies.
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In Grand Theft Auto Advance, one of the things the drivers of other cars may say if you crash into them is "I hope you have insurance!"
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Poltergeist II: The Other Side has the father on the phone arguing with his insurance company about how his house (in the first movie) vanished (into another dimension) without a trace.
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In Frozen, when Kristoff's sled catches fire, he complains that he just paid it off.
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During the climactic battle in episode 17 of Gintama, Kondo breaks his sword and dramatically frets over the fact that he hasn't finished paying it off yet.
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Action Insurance Gag
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In Lethal Weapon 4, Riggs and Murtaugh get promoted to captain because the LAPD can't afford to insure them as sergeants. They get busted back down the moment the department finds a way to pay the premiums again.
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A non-comedic version in one episode of NCIS when Tony gets a car totaled by the Arc Villain. The next episode he's on the phone with his insurance agent, who informs him that, since this is the third car it's happened to, the company is considering dropping him as a client.
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One mission in Animorphs has a particularly rowdy fight — involving Human-Controllers with guns, Hork-Bajir, a portable Yeerk Pool, and Marco in gorilla morph — at a typical suburban home. At some point, Marco pauses.
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Exiern: Overlaps with Impossible Insurance as the inn owner haggles with a demonic lawyer as to whether the battle in his inn qualifies for payout; even when he gets the best of that demonic lawyer, just trying to cash in that policy has further issues. When it comes to insurance companies, Failure Is the Only Option.
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Action Insurance Gag
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In Sing 2, Ms. Crawly rents an expensive car to go to Clay Calloway's house. Between her reckless driving and Calloway's hostility, the car is completely trashed. As she hands the keys over to the attendant, she says he'll be happy to know that she did purchase the insurance.
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In Robot Chicken, the producers of a theatrical play version of The Avengers watch as a full costume rehearsal goes wrong when the giant mechanical Hulk goes haywire and the actors all get injured. The producers look on in horror for a moment.
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Action Insurance Gag
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In Speed, the protagonist Jack Traven needs to get onto a bus travelling at a high speed. Having commandeered a car, he decides to jump from the car to the bus, but the door is in the way. Jack asks the owner if his car is insured, to which he answers in the affirmative, whereupon Jack reverses the car with the door open straight into the bus, breaking the door off. The owner is suitably upset.
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Action Insurance Gag
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In The Rock, Mason yells "I hope you're insured!" out the window of a car he has stolen just after having crashed into another car.
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In Transformers: Animated, Optimus Prime assures a guy whose car was just crushed in a battle not to worry, that something called 'insurance' that he's heard of will take care of it.
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Action Insurance Gag
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Variant in The Powerpuff Girls Their battles with supervillains and giant monsters routinely leave the city in shambles, and outside a few rare instances, this isn't really commented on. Then in one episode, their class has career day. One of their classmate's father is an insurance agent. He's jaded and weary and mentions how busy an insurance agent in Townsville is.
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Action Insurance Gag
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In Captain SNES: The Game Masta, Mega Man asks Bomberman if he has any extra lives before deliberately blowing up his "Bomb Emporium" to stop a powerful villain. In Nexus, extra lives are treated as a form of insurance.
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Doctor Who:
In "Knock Knock", a group of students rent a house without realising it's infested with strange, woodlouse-like aliens which the Doctor refers to as "Dryads". They escape from the house at the end as the Dryads begin devouring the house and everything in it, with one of them lamenting "Bang goes the deposit!" as she watches the house collapse.
In "The Pyramid at the End of the World", the Doctor firebombs a genetics laboratory in order to kill a mutant bacteria in its quarantine zone. He quips that the lab's insurance premiums are about to go sky-high, along with everything else.
In "Eve of the Daleks", the Doctor proposes a plan to blow up a storage unit in order to destroy some Daleks that are inside it. The unit's owner, Sarah, immediately expresses concern about what her insurers would think if they knew about the plan.
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Asterix. The pirates frequently run into the Gauls on their brand-new ships which they just paid for or had to leave some of their crew as hostages/sell into slavery for.
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Dungeon Dynamite: After the taco guy's cart is crushed by Apophis, he appears angry until he states that "if [he] didn't have insurance, [he] would be so pissed right now."
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Dorkly Originals has the short "Captain Falcon Can't Get Insurance", following a poor insurance agent having to keep up with the Captain's many crashes on the race track. As in, 160 crashes a day for the past 6 months.
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In the Person of Interest episode "Allegiance", Reese bullrushes a mook straight through a floor-length plate-glass window, whereupon they fall four stories onto a parked car, leaving Shaw and Fusco staring, speechless, out the window at them. After Reese gets up off the poor schmuck, a dumbfounded Detective Fusco comments:
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Twister: After Jo's truck is destroyed, she asks her ex Bill (who's come to have her sign divorce papers so he can marry his new girlfriend) if his truck is insured. He tells her "Liability only", then says there's no way she's using it. One Gilligan Cut later...
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In The Inexplicable Adventures of Bob!, the very first time a spaceship crashes into his roof (which would become a central Running Gag of the comic), Bob reflects, "I'll just bet my insurance doesn't cover this." Ironically, when a blimp once crashed into his roof, the insurance did cover it.
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Not insurance, but just after narrowly escaping the explosive destruction of the building where his office is in Changes, Harry Dresden ruefully remarks that he'd just sent in his check for the next month's rent on the place.
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StarCraft II:
In Wings of Liberty, when the Odin comes under fire offscreen, Tychus quips "Hope this thing's insured."
In Heart of the Swarm, one of the evolution missions has you wrecking a city with Ultralisks that can resurrect. You can kill (step on) a car, in which case a Marine pops out of a nearby house and whines "My car, man, I just paid that thing off!"
In Legacy of the Void, one mission takes you back to Korhal, where, yes, you can once again destroy a car... and the same Marine comes out and wants to know why this keeps happening.
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X-Men Origins: Wolverine, when Victor hears Logan coming after him for killing Kayla, he asks the bartender if he has insurance. When the bartender says he doesn't, Victor says, "Too bad."
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 Action Insurance Gag / int_faea2e0
comment
In Tomorrow Never Dies. Given that there's a Running Gag of Bond destroying the equipment he gives him, Q insists that Bond sign an insurance damage waiver before handing over his latest Bond car. Which is just as well as this car suffers the same fate as the others.
 Action Insurance Gag / int_faea2e0
featureApplicability
1.0
 Action Insurance Gag / int_faea2e0
featureConfidence
1.0
 Tomorrow Never Dies
hasFeature
Action Insurance Gag / int_faea2e0
 Action Insurance Gag / int_fcfa999b
type
Action Insurance Gag
 Action Insurance Gag / int_fcfa999b
comment
FLCL episode 3 "Marquis de Carabas". The robot Canti falls off the roof of the school building and smashes into the car belonging to Naota's teacher, wrecking it. One of the other students leaning out a window says that the teacher was still paying off the car's loan.
 Action Insurance Gag / int_fcfa999b
featureApplicability
1.0
 Action Insurance Gag / int_fcfa999b
featureConfidence
1.0
 FLCL
hasFeature
Action Insurance Gag / int_fcfa999b
 Action Insurance Gag / int_fd3487b9
type
Action Insurance Gag
 Action Insurance Gag / int_fd3487b9
comment
At the end of the early gameplay scenes of Mario & Luigi: Superstar Saga, Bowser's Koopa Cruiser is destroyed by Fawful. Talking to one of the Koopa Troopas found afterwards causes him to lament that they hadn't finished paying it off.
 Action Insurance Gag / int_fd3487b9
featureApplicability
1.0
 Action Insurance Gag / int_fd3487b9
featureConfidence
1.0
 Mario & Luigi: Superstar Saga (Video Game)
hasFeature
Action Insurance Gag / int_fd3487b9
 Action Insurance Gag / int_fe30da6
type
Action Insurance Gag
 Action Insurance Gag / int_fe30da6
comment
In an episode of WKRP in Cincinnati Herb starts selling insurance on the side. He sells a big policy to Les, who shortly afterward gets in a big accident where his scooter runs into a house, severely injuring the two people inside. (quote paraphrased)
 Action Insurance Gag / int_fe30da6
featureApplicability
1.0
 Action Insurance Gag / int_fe30da6
featureConfidence
1.0
 WKRP in Cincinnati
hasFeature
Action Insurance Gag / int_fe30da6

The following is a list of statements referring to the current page from other pages.

 Action Insurance Gag
processingCategory2
Action/Adventure Tropes
 Action Insurance Gag
processingCategory2
Comedy Tropes
 Action Insurance Gag
processingCategory2
Money Tropes
 FLCL / int_86cffd8e
type
Action Insurance Gag
 Neon Genesis Evangelion / int_86cffd8e
type
Action Insurance Gag
 Asterix (Comic Book) / int_86cffd8e
type
Action Insurance Gag
 Lethal Weapon 4 / int_86cffd8e
type
Action Insurance Gag
 Poltergeist II: The Other Side / int_86cffd8e
type
Action Insurance Gag
 Red Heat / int_86cffd8e
type
Action Insurance Gag
 RoboCop 3 / int_86cffd8e
type
Action Insurance Gag
 Speed / int_86cffd8e
type
Action Insurance Gag
 The Rock / int_86cffd8e
type
Action Insurance Gag
 The World Is Not Enough / int_86cffd8e
type
Action Insurance Gag
 Twister / int_86cffd8e
type
Action Insurance Gag
 X-Men Origins: Wolverine / int_86cffd8e
type
Action Insurance Gag
 Changes / int_86cffd8e
type
Action Insurance Gag
 Defenders Trilogy / int_86cffd8e
type
Action Insurance Gag
 Spy School / int_86cffd8e
type
Action Insurance Gag
 Gintama (Manga) / int_86cffd8e
type
Action Insurance Gag
 MythBusters / int_86cffd8e
type
Action Insurance Gag
 WKRP in Cincinnati / int_86cffd8e
type
Action Insurance Gag
 A Hat in Time (Video Game) / int_86cffd8e
type
Action Insurance Gag
 Alpha Protocol (Video Game) / int_86cffd8e
type
Action Insurance Gag
 Devil May Cry 3: Dante's Awakening (Video Game) / int_86cffd8e
type
Action Insurance Gag
 Mario & Luigi: Superstar Saga (Video Game) / int_86cffd8e
type
Action Insurance Gag
 StarCraft II: Heart of the Swarm (Video Game) / int_86cffd8e
type
Action Insurance Gag
 StarCraft II: Wings of Liberty (Video Game) / int_86cffd8e
type
Action Insurance Gag
 Dungeon Dynamite (Web Animation) / int_86cffd8e
type
Action Insurance Gag
 CinemaSins (Web Video) / int_86cffd8e
type
Action Insurance Gag
 What the Fuck Is Wrong with You? (Web Video) / int_86cffd8e
type
Action Insurance Gag
 Dungeons & Doodles: Tales from the Tables (Webcomic) / int_86cffd8e
type
Action Insurance Gag
 Exiern (Webcomic) / int_86cffd8e
type
Action Insurance Gag