There are lots of kinds of insurance. I should know; I’m an insurance agent. I sell home, vehicle, health and life insurance to folks everyday who need to protect themselves and the people they love. I never have to talk them into auto insurance even when their cars are paid for. I don’t have to talk them into home owner’s insurance, either. But these same folks don’t want to consider breakdown cover for some reason. Do they think their vehicles are going to last forever? It doesn’t make sense to me to be unprepared for a sure thing and car repairs are a sure thing. It’s just that simple.