I don't want to support this notion. We should only for insurance policy if there is imminent danger ahead. Why will I go for insurance policy on my auto if I hardly travel with it? Why do I need traveling insurance when I rarely travel. If the risk is minimal and we can curb it ourselves, then we don't need to go for insurance policy.To be frank and candid,Insurance should be meant for everyone but in different ways.As a car owner,you must insured your car incase of accident or theft,If you have a property like house,you also need to have it insured because of fire outbreak or collapse.If you also have children,you are not exempted,your children's future really matter.you must try and insure them.