25 JANUARY 1957, Page 31

'Walking home one evening you pause at a corner to

cross a side street. Then—just as you step ofi the pavement—you sense rather than see a youth on a bicycle racing round the corner towards you. Leaping back instinctively you fall heavily on to the curb, injuring your hip. . . . This is the kind of misfortune against which a Personal Accident Policy is the only means of protection.' Competitors are asked to match their ingenuity against that of the writer of this and similar advertisements in the vivid conjuring up of disasters calculated to make the reader fly to the cover of insurance. Limit: 150 words. Prize: Six guineas.

Entries, addressed 'Spectator Competition No. 363,' 99 Gower Street, London, WC1, by February 5. Results on February 15.