The high-net-worth individual has the means to buy whatever heor she likes “and often will,” as one insurance expert tellsNU. In doing so, the hobbies and interests of suchinsureds can create large exposures that producers and carriersneed to keep an eye on, for in many cases the HNW client is unawareof the risks at hand.

From personal submarines to bathtubs that entertain, here's alook at some of the top luxury toys for the well-to-do client.

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Yellow Submarine

Triton Submarines LLC of Vero Beach, Fla. offers a line of fiveluxury submersibles designed specifically for usage on large luxuryyachts. Its Triton 1000/2 is the smallest model, at 10.5 feet long,and is capable of plunging two passengers to an ocean depth of some1,000 feet. Powered by two large battery banks, the sub can bemaneuvered in nearly any direction using joystick controls. Itspetite size and small deck footprint make it ideal for those HNWindividuals who simply want a fun toy to tool around with on theocean floor. As a service, Triton will even cross-train an existingyacht crew member to operate and maintain the sub. The Triton1000/2 is the company's most affordable model, at nearly$2.275 million. Photo: SouthFlorida DiveJournal

A Jetpack

Mexican hi-tech manufacturer Tecnologia Aeroespecial Mexicana(TAM) produces personal-use jetpacks called Rocket Belt that arepowered by a hydrogen peroxide-based propulsion system. Originallydesigned by Bell Aerosystems for use by the U.S. military in the1960s, that plan was eventually scrapped; now TAM and a Bellsuccessor are the world's only manufacturers of the belt-stylepersonal propulsion systems. TAM custom designs each unit toaccommodate a pilot's weight and to offset such flightcharacteristics as balance, stability and control. Earlier modelsof the Rocket Belt can be seen in footage from the 1984 Los AngelesOlympic Games Opening Ceremony, and in the 1965 James Bond movie“Thunderball.” A HNW individual can easily pick one up for home useat a cost of $250,000.

Amphibious RV

The Terra Wind is a luxury motor home that can be driven on bothland and water from Cool Amphibious Manufacturers International LLC(CAMI), of Ridgeland, S.C. The amphibious vehicle has a highwayspeed of up to 80 mph, and can go up to 7 knots on the water.Standard equipment includes a padded leather dash, onboard computerdocking system with Internet access, GPS, moving maps andnavigational charts. The coach's interior can be custom designedwith individual floor plans, entertainment systems, cabinetry anddécor. A less-luxurious version called the Hydra-Terra is usedpublicly around the world as a tour bus, such as at Japan's SkyDuck Tours in Toyko. However, a HNW individual can purchase themore upscale Terra Wind for$185,000.

Amphibious Muscle Car

The Hydra Spyder, another CAMI product, is a high-speed,high-performance amphibious sports vehicle aimed at the HNW jetset. Built to hustle, the Hydra Spyder can seat up to four peoplewhile pulling a water skier at speeds of 46 knots; road tests havereached land speeds of more than 125 mph. The standard productionmodel is powered by a 450 horsepower LS2 Corvette 6.0 liter V-8engine and includes a 5-speed manual transmission and front-wheeldrive. Prices start at $175,000.

An Electric Sports Car

The Venturi Fetish Sports Electric Vehicle wasunveiled in 2004 as the first sports car specifically designed tobe electric. Today's Fetish Roadster is a two-seat,rear-wheel-drive electric car that owes much of its allure to alight-weight design featuring a carbon fiber body, and advancedLithium Ion batteries that are liquid-cooled and placed in aT-formation in the center of the vehicle for optimum performanceand road handling. The Venturi can reach 60mph in under fiveseconds and hit speeds as high as 106 mph; depending on individualdriving style and road conditions, one electric charge can last upto 150 miles. The batteries recharge completely in under threehours. Cost: $660,000.

A Hydromassage TV Bath

The Cosmo, a luxury whirlpool TV bath model from UK manufacturerDi Vapor, features 23 adjustable air and water massage jets and a17-inch touch-sensitive LCD TV with video input. It also includes afunction that automatically shuts down and drains the tub toprevent accidental drowning. The company, which specializes inluxury steam showers, steam shower cabins, home steam sauna rooms,infrared saunas and whirlpool baths, created this one-personhydromassage TV bathtub after receiving great feedback on a priortwo-person model. Cost:$7,000.

The Killer WhaleSubmarine

Not to be outdone by a fleet of yellow subs, luxury toy purveyorHammacher Schlemmer launched its own streamlined, two-personwatercraft designed to look and respond like an Orcinusorca, or killer whale. Twin control levers move the whale'spectoral fins to produce rolls and dives; dual foot pedals and thecraft's 255-hp supercharged Rotax axial flow engine enable thecraft to mimic realistic marine behaviors. The cockpit's dashboardincludes a speedometer, tachometer, engine and air pressure gaugesand an LCD that displays live video from the dorsal fin's built-incamera. The orca can hydroplane over the water's surface up to 50mph, and cruise up to 25 mph while submerged. Cost? A mere$100,000.