I know . Previously living in E. London and watching how a certain lot drive in a fatalistic manner .The word on the street in Londonistan, Al-Birmingham and other cities is that insurance is voluntary.
After, the rule of inshallah applies here, and if it is in the will of Allah that you will not have a crash, you will not have a crash. OK?.
Even more interesting in wintertime when a large majority of them could not even be bothered clearing their windscreens of frost or snow .
Just a little letterbox sized slit to peer through