I can't believe people so many people aren't insured. I think it's irresponsible and if someone hit me, causing damage, I'd have no issue in making a claim.
Saying "I'm too skint at the moment" to pay £30, when you spend hundreds of pounds on equipment, is ridiculous.
Also not having insurance because you don't like the BKSA is a poor excuse too. I don't like the way the BKSA is run either but I pay my membership just for the insurance.