3am: RUG 'N' ROLL STAR.

Byline: Clemmie Moodie & Danielle Lawler

WITH tough tour schedules and big money at stake, It's Not Unusual for stars to insure their bodies.

So it should come as no surprise to learn that Sir Tom Jones, 67, whose mop of luxurious curly brown hair has made him a hit with the ladies, has had his chest hair insured - for the princely sum of pounds 3.5million!

Top insurance house Lloyd's of London was approached about the deal and, after initial concerns that it might prove too much of a risk, went ahead.

"Like a vintage wine, Tom just gets better with age," says our body hair mole.

"Even at the grand old age of 67, the ladies love his hip-thrusting moves and catching a sneaky peak of his famously rugged chest hair."

Sir Tom, who is currently in LA working on his new album, is not the first celebrity to have a body part insured against damage.

Mariah Carey and supermodel Heidi Klum have both had their legs insured, while Jennifer Lopez is said to have had her famous derriere protected.

Rolling Stones rocker Keith Richards had his fingers covered and Ugly Betty star America Ferrera got her mouth insured for a stunning pounds 5m.

Although Sir Tom's management insist the singer has been "working far too hard in the recording studio" to get his chest curly wurlies covered, we're confident that it'll be a green, green, grass(mat) of home...