Protect your licence

[Silk]

Grow up you two. :p

Dom

I think you'll find it's three, but I don't want to argue.

[MGF]

... All it does is to compensate for monetary loss as a consequence of losing your licence. So, yes, it does insure you against breaking the law - an activity that's entirely avoidable for all but the terminally unobservant.

Insurance also insures you, in your words, 'against breaking the law'. By definition if you are at fault for causing an accident you are breaking the law. The law of careless driving. It's just that as a society we choose not to focus on enforcing this regulation and prefer to focus on enforcing other regulations.

If your only differentiator apart form 'breaking the law' is 'insurance can also cover you for situations in which you are blameless' (assuming prosecutions always involve blame) that is a marginal difference. Certainly not one to to base such a forthright argument on.