The first question, he said, is: Do you need insurance?

I want to have it for my peace of mind, but do we really need insurance?

Political debate would then focus on financing a national system that no longer needs insurance.

But many people who borrow against their homes don't need insurance to get a mortgage on good terms.

From a business point of view, you may need insurance against such risks.

Many people do not realize that they need such insurance.

So middle-class people are likely to need private insurance for this.

Not everyone needs insurance up to the full replacement value of a home.

Even the most humble of charity events needs insurance now.

Their aim, such critics say, has been to serve least those who need insurance most.