I'm largely uninsured. * I insure my car, because I'm not a good driver - I don't generally drive though, and would prefer to go without, but my wife wants one

I'm largely uninsured. * I insure my car, because I'm not a good driver - I don't generally drive though, and would prefer to go without, but my wife wants one even though it would be cheaper to Uber everywhere that we actually travel. * I own an apartment, and building corp levies include insurance on the building (but don't insure contents). This is an insurance I would keep even if it wasn't mandatory; the tail risk is too expensive for me to recover from. * I have health insurance (in Australia, where the public health system is good) only for tax reasons (it would cost me almost as much _not_ to have insurance). Public health system is sufficient that this would not generally be required. I should probably insure more (life, income protection, probably home contents, maybe but probably not actually useful health insurance).