Yes, buddy, we need insurances. Really. Personally, I use services of Total insurance company. And you know what? I am pleased using their services, because once someone made a dent at my car at night, so I called the company to resolve the issue. They took my car to their own auto repair shop and repaired the dent. As a result, my car looked like a new one... I really was shocked. However, it wouldn't be possible, if I didn't start using their services of courier insurance from this site http://total-insurance.co.uk when I began working a courier.