Full-sized replicas of Chinese Terracotta Army soldiers, stuffed sharks and a toy soldier collection worth more than £10,000 are some of the trickiest treasures insurers have been asked to cover.
Other odd items that their owners want covered include dead tigers, artwork from anonymous artist Banksy and a collection of teddy bears from the German designer Richard Steiff, who invented the cuddly toys.
Wine, whisky and stamp collections, fine artwork, Beatles memorabilia and antique golf clubs are other curios successfully insured by Direct Line.
The firm estimates that we own almost £222bn of collectibles worth more than £500 each. Two-thirds of the population own such items, around a quarter…