Hi,
You should consider having a insurance, It is comforting to think that nothing will ever happen to you and that you are invincible. But odds are that you are likely to get into an accident or have some type of health problem at some point in your life, and when that happens, you will want to have insurance that does not over charge. So when you question whether you need insurance, the answer is a resounding yes, you definitely need insurance.
for more info
http://www.oneshopinsurance.com might help you with your concerns.
good luck!