The Act of God designation on all insurance policies; which means, roughly, that you cannot be insured for the accidents that are most likely to happen to you.
Source: The Lady from Stalingrad Mansions, 'A Short History of Insurance.'
-- Alan Coren, (Jun 27 1938-2007), British writer, satirist; He is a regular panelist on The News Quiz and Call My Bluff and writes both his own and the Notebook columns for The Times.