When I canceled my insurance after going carless, I was told that there would be a lapse in my coverage causing my rates to increase. So naturally I asked why would I cover a car I no longer own. Apparently, there is a type of insurance that covers you as a driver of other cars. Of course there is. Going on 4.5 years now with no insurance payments. It's been glorious
If you do regularly drive other cars, it can make a lot of sense to make sure you have a liability policy that will cover an incident (vs assuming that the coverage on the vehicles is appropriate for you). Not sure why you'd be bothered/dismissive that you can access a sensible financial product.
It was less about me driving (I don't drive since going carless), but more about here's a way for us to keep you on a monthly payment for a service you no longer need to avoid "lapse in coverage". That's like telling someone they will have a lapse in their homeowner's coverage while they are renting.
