Mike,
A very fair point being made about the fact that we can, all of us, make mistakes at times. However you do say that "rarely do they prevent an insurance increase if you have an accident."
I find that a very interesting point and wonder where you have found the evidence of that fact, or is that may be just an opinion. Facts would be good and would inevitably impact on my decision to buy a camera or not.
Best Wishes and Regards, John