Re Insurance, so costly here more and more people are driving without insurance or a licence, more hit and run accidents, house insurance also out of control, one fellow I know simply let his insurance run out his thoughts about his house he never put in a claim before so enough is enough. HM, don't know how liability cost would be paid in the event of a serious at fault car crash.in many cases now do I buy groceries or insurance or get rid of the car.