Year: 1886

page_text: Date of Application, 1st Dec., 1886
Complete Left, 28th Sept., 1887
Complete Accepted, 22nd Nov., 1887
I GEORGE NEALE of 5 Ramle Terrace, Egremont, Cheshire, Outfitter's Manager,
do hereby declare the nature of this invention to be as follows:-
-
In cases of accidental death insurance, if the ticket be lost, it is very difficult for
the relatives of the insured to prove their case. There is too, a feeling in the minds
of the masses that accidental death insurance is waste of money, and unless it can he
made to pay in some way to the insured other than at death it is no good.
Now my invention is designed to disguise the cost of insurance to give the
individual some return at the time for his money, to form a ticket that must be found
with the body, and to act as an advertising device and means for increasing business
at the same time. It consists in making the actual suit of clothes or other wearing
apparel boots or hat of the person insured the insurance ticket, either alone or with a
certificate, badge or ticket printed, woven, or otherwise fixed thereon. A tailor or
outfitter then can act as an insurer by advertising that any one wearing his insurance
dress at the time of an accident will be paid so much at death or so much per week
during disablement. This plan will prevent the obvious opportunity for fraud now
existing with insurance tickets, Tit Bits, etcetera in which an unharmed person, who
has insured can shove the ticket or copy of Tit Bits into the pocket of his dead or
injured friend or acquaintance. In my case the actual clothes that the insured has
on is his insurance ticket, and unless he is wearing those clothes he is not insured.
After the accident it would be very difficult for any person insured to exchange
clothes with corpse or wounded person not insured without detection, while if the
insurance mark is partly incombustible, even if the injured person were burnt to a
cinder in a fire, the mark of insurance would remain. The mark could be either
woven, sewn or embroidered in the material itself, or the lining made in some registered
design, and clothes of any one design of lining wood be only good for insurance for
a given limited material, or an indelible badge of some sort could be stitched
firmly into the lining so as not to be quickly undone and stitched in afresh into another
article of clothing.
Dated this 30th dor of Norambar 1006
WM. P. THOMPSON & Co.,
6, Lord Street, Liverpool,
Patent Agents for the Applicant.

page_text: Improved Insurance Device.
I, GEORGE NEALE of 6 Ramle Terrace, Egremont, Cheshire, Outfitter's Manager,
do hereby declare the nature of this invention and in what manner the same is to be
performed, to be particularly described and ascertained in and by the following
statement:-
In cases of accidental death insurance, if the ticket he lost, it is very difficult for
the relatives of the insured, to prove their case. There is, too, a feeling in the minds
of the masses, that accidental death insurance is waste of money, and unless it can be
made to pay in some way to the insured, other than at death, it is no good.
Now my invention is designed to disguise the cost of insurance, to give the
individual insuring, some return at the time for his money, to form a ticket, that
must be found on the person, or with the body of the individual, and to act as an
advertising device, and means for increasing business at the same time. It consists
in making the actual suit of clothes, or other wearing apparel, boots, or hat, of the
person insured, the insurance ticket, either alone or with a certificate, badge, or ticket,
printed, woven or otherwise fixed thereon. A tailor, draper or outfitter, then can act
as an insurer, by advertising that any one wearing his insurance dress, at the time of
an accident, will be paid so much at death, or so much compensation in the event of
disablement, as might be arranged. This plan will prevent the obvious opportunity
for fraud now existing with insurance tickets, Tit-Bits, etcetera, in which an
unharmed person who has insured can shove the ticket, or copy of Tit-Bits into the
pocket of his dead or injured friend or acquaintance. In my case, the actual clothes,
boots, or hat, that the insured has on, subject if so arranged to a time or non transfer
limit, is his insurance ticket, and unless he is wearing those clothes, boots, or hat, he
is not insured.
After the accident- it would be very difficult for any person insured to exchange
clothes with a corpse or wounded person not insured, without; detection, while if the
insurance mark is partly incombustible, even if the injured person were burnt to a
cinder in a fire, the inark of insurance would remain for identification, in common
with the record of such mark with the insurer.
The mark could be either woven, sewn, or embroidered in the material itself such
for example as set forth in figure I annexed hereto or in the lining, or the material or
lining made in some registered design, or an indelible or incombustible badge of some
sort could be firmly affixed to the garment or article so as not to be quickly undone,
and affixed afresh to another article of clothing, or the clothes or lining of any one
design, might be only good for insurance for a given limited period.
One plan which I prefer at present, for carrying out my invention, is to form the
lining or other hidden part of the insuring article of clothing in some special registered
design in which incombustible threads of say, asbestos or wire run through the

page_text: cloth in both directions woven therein, such for example as set forth in figure 2
annexed hereto.
By registering a separate design for each amount insured, if there be more than
one amount in the system and stipulating if desirable in the case of very durable
articles that the insurance should be limited to such and such a period from date of
registration, notice of which would go with the clothes, the insurer would be secure
and the insured article of clothing could be identified even if it were reduced to ashes
with the exception of its asbestos. If, too, a separate metallic number badge were
sold with and formed part of each insuring garment, it would form a very useful
means of identifying the body in case of a fire.
Having now particularly described and ascertained the nature of my said
invention, and in what manner the same is to be performed, I declare that what
I claim is -
1. The improved insurance device, consisting of an article of wearing apparel,
specially manufactured, so as to act as an insurance ticket to the wearer, substantially
as described.
2. The improved insurance device, consisting of a garment having attached to it
and forming a part thereof, a special incombustible badge, mark, token or certificate,
substantially as and for the purposes described.
3. As an insurance device, a special design formed in part of incombustible threads
and forming part of a garment, substantially as described.
Dated this 27th day of September 1887
WM. P. THOMPSON & Co.,
Of 6, Lord Street, Liverpool,
Patent Agents for the Applicant.