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Don’t let your incompetence derail your future.

Protecting those that never got the hang of life. Find out if you're eligible.

Am I eligible?
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Join the 3+ million bumbling fools already insured

Available in over 100 countries for over 20 years with over $20 billion paid

Am I eligible?
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24/7 Claims

No claim or query is too hard to handle. Our Australian-based consultants are available anytime.

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Award Winning

We’re the leading insurer for incompetence worldwide and grow our coverage every day.

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Exclusive Savings

Access discounted products and services from our partners that help you get through life.

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Cover for all levels of incompetence

Band aid supply
Everyday injuries
Broken property
Laundry
Job loss
Pyramid schemes
Accidental cults
Most Popular

Clumsiness

Household incompetencies

$99

/ INCOMPETENT / MONTH

Band aid supply Sent daily
Everyday injuries Basic hospital
Broken property Up to $1,000
Laundry
Job loss
Pyramid schemes
Accidental cults
Select
Most Popular

Work

Workplace incompetencies

$150

/ INCOMPETENT / MONTH

Band aid supply
Everyday injuries
Broken property Up to $1,000 a month
Laundry Weekly
Job loss Up to 5,000 a month
Pyramid schemes
Accidental cults
Select
Most Popular

FML

The ultimate cover

$225

/ INCOMPETENT / MONTH

Band aid supply Sent daily
Everyday injuries Basic hospital
Broken property Up to $1,000
Laundry Weekly
Job loss Up to $1,000
Pyramid schemes Up to $10,000
Accidental cults Up to $10,000
Select

Incompetence Extras

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Phone Helpline

Can't find the any key? We'll walk you through lifes challenges over a simple call
Details
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IRL Help

From wingman to groomsman, we'll be there when you need us.
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Satellite Monitoring

Like a guardian angel, we'll track every move you make so you don't have to.
Details
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#1 in Incomptence

As the Incompie Awards is a subsidiary of Incompetence Insurance, the Incompie committee are not currently capable of being completely unbiased; but at the time of writing, we’re also the only* incompetence insurance company – another fantastic reason to choose us!
Incompie Awards is a subsidiary of Incompetence Insurance. We’re the only incompetency insurance provider – another great reason to choose us!

Frequently asked questions

What our incompetency insurance covers?

We provide coverage for the awkward, the clumsy, the messy, the conceited, the unlucky, the obtuse, the obnoxious, the negative, the slackers, the shirkers, the dreamers, the goofballs, the time-wasters, the self-defeatists, the try-hards, the wastrels and the ne’er-do-wells. In short; the incompetent. If you identify as any of the above, you’re not alone... and you have coverage!

What isn’t covered?

We don't cover the competent.

How does Incompetence Insurance work?

Simply put, the next time your incompetence results in an accident, a mess, or a tragedy, Incompetence Insurance will pay you a lump sum. Our plans also offer optional extras such as Over-The-Phone or IRL Help to prevent incompetencies. We'll be there to help you when you're in a bind and help you with basic competency. We're also there to put out both your figurative and literal fires. So whether you’re looking for financial protection, or someone to come over and lie to your mum for you, Incompetence Insurance is there for you - 24 hours a day, 7 days a week.
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No claim or query is too hard to handle. Our Australian-based consultants are available anytime.

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We’re the leading insurer for incompetence worldwide and grow our coverage every day.

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Access discounted products and services from our partners that help you get through life.

Just so we're clear, the information on this website is fictitious and is not intended as a substitute for real medical or financial products. Under no circumstances shall we be liable for any loss or damage whatsoever arising from the use of information on this website. Although if you do, we'd love to know about it and make you our spokesperson.