Spell insurance is a safety net for when you’re besieged by the temptation to cast spells or curse people for what you see as sheer spite. Spell insurance is a loose term, used to describe any type of spell that does not target anyone in particular, but typically means some form of protective or banishing enchantment.
The most common types of spell insurances are described below. You can make them or have them custom-made by your local occult store, or you can use the descriptions as guidelines for making your own. The advantage of getting them professionally made is that they’re ready-made and you don’t have to do any of the hard work.
What is spell insurance?
Spell insurance is a kind of spell that’s designed to protect you from the negative effects of your magic. It’s a bit like an insurance policy, in that you pay for it and hope you never have to make a claim on it. In this case, though, the ‘ premiums’ come in the form of banishing or protective spells/enchantments, and the ‘claims’ come in the form of curses or hexes cast against you.
The idea behind spell insurance is that it protects you from your own mistakes. It normally consists of a number of banishing or defensive spells, carefully worded so that they have no effect on anyone else. The most common type of spell insurance features a binding clause, which prevents the enchantment from being undone by anyone else.
Spell insurance works because the average person is not very bright, and has low to middling intelligence. Even if you’re smart enough to think up a spell in the first place, you’re even more likely to forget its wording or accidentally cast it in a way that damages someone else. The uneducated rarely have a complete grasp of what they’re saying and doing when they cast spells, so inevitably there are always going to be unintended consequences.
Types of insurance
1. Protective spells
Protective spells are usually used to protect you from a particular type of magic. For example, you may not have protection against fire, so you cast a protective spell against it. You can also make a protective spell for any kind of magic you can think of, using your common sense to decide which one is the most important to protect against. The best way to create protective spells is to use other people’s magic and cut it up into small pieces that you can memorize.
2. Binding clauses
Binding clauses are used where you want the spell to be a little bit more personal. This is what most people think of when they hear the term spell insurance. For example, you could make an enchantment that banishes everyone that sent negative vibes your way. This kind of spell is very easy to create, but it’s limited in scope because you can’t specify exactly who’s at fault. To create a binding clause, you need to create two enchantments. The first enchantment is against an object, and the second is against the subject that’s set to receive the effects of the first one. Then you bind them together with your words so that they react against each other. There are many different types of binding clauses, and some are far more effective than others.
3. Mass protection
Mass protection spells are designed to protect you from all forms of magic at once. For example, you can make a spell that protects you from any form of magic, or one that protects you from all forms of negative energy. It’s highly unlikely that the person who casts this spell has ever been harmed by magic, so when they create it they don’t really have any idea what they’re doing. In fact, they’re probably just as likely to make you more susceptible to negative energy as they are to make you immune to it.
It’s better to think of mass protection spells as a curse than anything else. When someone casts a protection spell that affects everyone, in the same way, they’re effectively cursing everyone with the same spell.
4. Banishing spells
Banishment spells have the opposite effect of protective spells. They’re designed to force people away from you, rather than keep them at bay. Some people use banishment spells on the person who cursed them, many more use it on anyone they think of as a threat. Banishers like to use binding clauses when they make their spells.
5. Elemental protection
Elemental protection is like protective enchantments, but it’s designed to protect you from something so specific that it can’t be used against you in that way. For example, you could cast an enchantment against ice or fire (depending on which one you’re worried about). Elemental protection is a lot like mass protection because they both tend to be created by the same kind of person.
6. Close-range banishment
Close-range banishing spells are designed to protect you from attacks within a certain radius of your person. For example, you could make a spell that protects you from everything within a ten-foot radius or so. You can also create them with different radii, depending on how tight a personal bubble you want around yourself. Close-range banishment is the most common type of banishing spell, and there’s nothing particularly special about it. It’s just a bit more effective than some of the others.
7. Distance banishment
Distance banishing spells are designed to protect you from things that happen at a distance. For example, if you lived in a specific area then you could create an enchantment that protects you from things happening within that area. Or if someone’s cursing you from afar then you can use one of these to counteract it.
Benefits of this insurance
1. Protection against your own magic
This is the big one. If you’re a person who casts magic, then you’re very likely to hurt yourself with it. Whether you’re a beginner or advanced, this is bound to happen at some point in your life. I’ve been doing spells for almost ten years and I still manage to make mistakes all of the time. Having continual problems because you can’t learn from your mistakes is very frustrating, so it might be better just to prevent them from happening in the first place.
2. Protection against negative energy
If you’ve never been cursed before then you don’t know what it’s like, but the experience can be devastating. For most people, the first curse they receive is a complete surprise that leaves them feeling violated and hopeless. That’s why there are so many stories about witches cursing people without realizing it. The horrible thing about being cursed is that anyone can do it to you. There’s nothing you can do to protect yourself from a curse because all of your protections are completely useless against it.
3. Protection against mental attacks
Technically speaking, any kind of magic that can be cast in an area is capable of causing damage to your mind. There are exceptions, but if you’re outside the protection of a circle then it’s very likely that you’ll be affected. Your brain is particularly vulnerable to external influences during spells because it’s the most important part of the operation, and because it’s so sensitive you can feel overwhelmed by those influences even if you’re not directly interacting with anything.
4. Protection against any form of magic
This is the effect that most people expect from binding clauses. These enchantments are so complex and powerful that they can shield you from almost any form of damage. The problem with these enchantments is that they’re very difficult to create, and even if you could create one then there’s no guarantee it would be useful. These days it’s usually better to just make a few more protective spells and hope for the best.
5. Protection against all forms of magic
This is a very powerful effect and not one that you need to worry about very often. It’s the only way to protect yourself from curses and it’s especially useful if you’re an advanced spellcaster. If you’re simply a beginner then it won’t matter much, but if you want to become an incredibly powerful spellcaster then this is something that you should definitely look into.
6. Protection against any situation
When you have a protective spell that’s this flexible then you don’t have to worry about a lot of different problems. It can be used to protect you from physical danger, magical danger, and mental influence. You’re forced to accept some compromises in exchange for protection against everything. But it can still give you a decent amount of security.
7. Temporary protection
Finally, permanent protection isn’t the only kind of magic that exists. Temporary defensive enchantments can be used. If you suddenly find yourself in a dangerous situation. And don’t have time to make a long-term protection spell. These are most useful against curses or mental influences because there’s no way to tell. If you’ll have time to make a permanent enchantment once your problem is over. Even if you don’t like the idea, it’s better to use one of these than none at all.
The protection clauses are a good option to use when you don’t have time to make another spell. Or maybe you’re just feeling lazy and don’t want to put in the effort. Or maybe you just feel like making a little extra money. This could be a good idea if you’re going for the mass production of your spells.
This spell gives temporary and permanent protection from harm and is versatile. You will always feel safe and secure with this spell. Even if you aren’t that good of a witch or wizard.