Sven-Goran Eriksson have high hopes of success for England

Paul Hucker, from Ipswich, Suffolk, has taken out insurance through a broker based in Braintree, Essex, and it has cost him £100 plus £5 tax.

Managing director of British Insurance, Simon Burgess said: "We're trying to take some of the negativity out of Wayne Rooney and his metatarsal injury.

"This one-off accommodation takes a realistic view of England's chances."

Mr Hucker, 34, said he had taken out the policy following years of disappointment when England failed to progress to the final stages of a competition, and the agony of watching them lose through penalty shoot outs.

I feel very patriotic and very optimistic. To have psychological trauma and depression is something I don't want Paul Hucker

"The pressure of this World Cup is not just on the players and the managers. I think a lot of supporters are under a lot of pressure and suffer because of England's performance," he said.

"I find when it goes to penalty shoot-outs it gets very difficult and I wanted to insure myself against psychological trauma."

If England are knocked out in the first round of the competition the insurer will turn to five sports commentators to judge if their exit is premature.

Mr Hucker will then have to provide medical evidence showing he has suffered severe mental trauma as a result to get his seven-figure payout.

"I feel very patriotic and very optimistic," he said. "To have psychological trauma and depression is something I don't want."

The only thing the policy does not cover is England failing to progress through the tournament as a direct result of players being out due to metatarsal injuries, following news striker Wayne Rooney may not be fit for the event after breaking a metatarsal in his foot.