Okay, I suppose I asked for that, exposing my US-centric thoughts. I meant in the US :). In the US, insurance covers stupidity. At least once -- your insurer

Okay, I suppose I asked for that, exposing my US-centric thoughts. I meant in the US :). In the US, insurance covers stupidity. At least once -- your insurer may drop you after they pay out. As long as you don't have an exclusion in the contract covering a particular type of stupidity, and you are not committing fraud, you will be covered.