"A frozen squirrel fell out of a tree and crashed through the windscreen on to the passenger seat."
Unfortunately Norwich Union doesn't say if it found the claims to be legitimate. It only says that it received them. In the case of the frozen squirrel, you really have to wonder if it could be true. I suppose a squirrel could freeze to death up in a tree, and it could then fall onto a car parked below. But it would have to fall pretty far to pick up enough momentum to crash through the windshield. Though maybe the car wasn't parked. Maybe it was moving. This is clearly a case where more details are needed. (via The Guardian)