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A Collection of Short Stories for 2011
Fully Insured, Fully Protected

by Y Lee Coyote

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Copyright on this story text belongs at all times to the original author only, whether stated explicitly in the text or not. The original date of posting to the MMSA was: 27 Jul 2011

The following story is an entry in the SSC 2011 «» and is fiction about a young man who learns that his insurance is not totally comprehensive.  The story contains scenes of spanking and strapping.  If this subject is offensive, uninteresting or if you are a minor (i.e., child) please leave now.

This work is copyright by the author and commercial use is prohibited without permission.  Personal/private copies are permitted only if complete including the copyright notice.

The author would appreciate your comments – pro and con, including constructive criticism, and suggestions.  Please take a moment to e-mail.

Twelve year old Horace had learnt several lessons in the last couple of weeks.  The first was the wonder of insurance.  His dad had driven off the road and damaged a fence and his car.  He was not upset at all for, as he said: "I have insurance and they will pay for the damage."  Second, losing his glasses is most definitely a spankable offence.

After reporting the loss of his glasses, Horace knew that he must accept his spanking without any childish fussing or it would be worse.  He went to his room and waited naked for his father.  Then when he was ordered to he promptly got across the parental lap and where he was quickly reduced to a bawling little boy by the hard, forceful hand of his father connecting with his bottom.

With his tail still smarting from the second lesson, he made a decision when he got his new glasses and bought – with his own money – an insurance policy that FULLY PROTECTED again loss and damage as proclaimed on the sign on the optician's counter.

It was a few weeks later that he was throwing rocks at the apparently abandoned factory when the security guard pounced.  The guard was pot-bellied and slow.  Horace was sleek and young and he almost got cleanly away.  However,  because he had slipped the guard grabbed his glasses.

A few hours later, insurance policy in hand he told his parents he had lost the glasses in the woods and searched for a couple of hours without any success.  "But, happily I'm insured and protected from loss just like Dad was when he drove into the fence."  Insurance is a good investment.  New glasses were ordered and he escaped spanking.  He was most grateful for his insurance policy.

It was a few days later when the police came calling with the guard.  "Yes, that's the boy!" he said.  The glasses were registered because they were insured and he was found.

There was not any insurance coverage to pay for broken windows as that is a deliberate criminal act.  Horace's father had to write a big check to pay for that damage.

That evening, in the garage, Horace undressed and bent over the repaired fender and got a long hard strapping for his extremely naughty behavior.  Although it actually hurt more, Horace was able to resist the urge to cry to prove to his dad that he was no longer a little boy but a young man – almost a teenager.  Additionally, Horace's allowance was reduced for a year so that he could pay back his father.

It was, however, nice to have an extra pair of glasses.

The End

© Copyright A.I.L.  July 27, 2011

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