Skip to main content
Dictionary
Store
Blog
World
Help
Advertise
Chat
System Status
Information Collection Notice
Trademark Concerns
reCAPTCHA Privacy
Terms of Service
reCAPTCHA Terms
Privacy Policy
Accessibility
Report a Bug
Data Request
Contact Us
Security
DMCA
© 1999–2026 Urban Dictionary ®
Store
Mugs
Tees
Hoodies
Pro Customization
Create unique products with your own words and definitions
Preview
Personalize Your Design
Your Word
Your Definition
When the main character(s) of a movie, story, game, or other media manage to defy nearly all odds of being injured, killed, or otherwise majorly inconvenienced, it's safe to assume they must have some sort of supernatural insurance policy protecting their asses. Especially when others immediately around them are not so lucky. As well as avoiding the negative, characters with MCI often happen to stumble upon just what they might need for a given situation, out of the blue. This phenomenon could be chalked up to just plain dumb luck, or perhaps more likely unrealistic writing on the creator's part. Mary Sues and their variants are often gifted with Main Character Insurance. Generally, when this occurs, it leads to a very unrealistic and fantastical atmosphere, removing any seriousness there might have been.
Text fits
Save
Cancel