I insure only 2 things - car & house+contents. I buy the cheapest policy from a known insurer & take a larger excess assuming the premium comes down by something sensible.
55 years driving I have only claimed for damage when a 3rd party was involved & I got my high excess back - 5 claims - only one time on the move - I was stationary for the other 4
Scraping my bumper on a low wall, knocking off my wing mirror on a post etc is hand in my pocket & a reminder to be more careful in future.
The advent of the "dent man" & Chipsaway some 30 years ago has been great - I have called on a few times - £50 or £100 sees many a "minor event" disappear.
General Rule on Insurance (excluding life cover)- only take insurance when you cannot afford to replace / repair with your debit card.
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