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I've considered that aspect and decided that saving and investing the money I would have spent on insurance will prove more fruitful in the long-term. I'll feel awfully silly (and sore) if I'm hit by a car tomorrow.

My husband and I have no insurance, Super aside. We're in our 20s and have no children so the 'what ifs' don't really keep us awake at night. We're more concerned with our long-term financial future and insurance seems a luxury we can do without at this point in our lives.