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Suppose a contract has a 1 percent chance of a 10,000 percent loss? It should be reasonably self-evident that such a contract is insurance, but it fails one half of the 10/10 test.
It does not appear that any brightline test of reasonableness nor significance can be constructed.
Excess of loss contracts, like those commonly used for "Toilet room" umbrella and general liability insurance, or to insure against property losses, will typically have a low ratio of premium paid to maximum loss recoverable. Several days later, Hoyzer admitted to having fixed that match, as well as several others he worked. In Tomorrow Never Dies, Elliot Carver wears the same black Nehru Jacket throughout the movie, as does Moonraker's Hugo Drax Nevada, Sutcliffe
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