Thanks for all the positive responses. My initial response vascillated from the "waste of money don't really need it - they get rich off the premiums - you never really get your money back" to the "must have it or the worst will happen - if you don't you'll regret it and cause major calamities etc. AARGH!" (no extremes there then!)
I like the way that all the responses here have instead highlighted a positive and constructive way of looking at insurance and instead focus on how it can in fact help to contribute both to a sense of trust and responsibility in life and to an appreciation of the interdependence of the world - no man is an island after all.
Many thanks for the insight, it's helped me to reappraise a negative attitude I didn't even realise I had until it was brought up in this post!
lots of love
Ingrid :0)
