Porn Insurance are features that help hide evidence of looking at pornography. Places such as Google Chrome have many features like this such as deleting your history at the click of a button, incognito tabs, and various other things. Porn insurance may seem like useless features to normal people, and a safety button for vigorous fappers.

When you fill your car with people, so if gets gapped in a race, you can blame the extra weight being your disadvantage. The insurance being you may win, but if you lose you can blame something other than your car or driving

Similar to joke insurance, facebook insurance is the mutual agreement to like/ comment on a friend's facebook status regardless of what it is, it is usually used to lessen the embarassment of having a really unsuccessful/boring status.

A friend will like/comment on your status, and you return the favour when they post a status, regardless if you have any interest to it.

You're like 95% sure it's just gas. Pretty sure it's just a fart.

...but you decide to sit down on the toilet JUST in case. 95% of insurance shits usually end in something productive, and can save you from the ever-embarrassing shart.

a service or product you never use, but are constantly paying for

Evil multi-billion dollar corporations that earn a profit from your premiums, and then find any loophole they can so they can refuse to live up to their responsibility in order to save money.

When a band, singer or comedian is so bad, but has the respect of the fans to cheer anyways.