"You accidentally spilt Coffee on your new MacBook. That's bad, and I feel for you. No excuse for the rest of this thread. Grow up and take some responsibility for not having insurance."
Is this his health we're talking about? It is interesting that in the US, it is our responsibility to buy insurance (we love to imagine how we're in control of our social positions, our rich's and their poverty is our or their fault), but in the UK(?) it is the responsibility of the government and broader society to provide healthcare for the population (for aren't the ills of people, at least a significant fraction of the time, the result of interactions of people and society? And what about the notion of legitimate royalty and the legitimate welfare state?). Different socially constituted delegations of responsibility...
People always seem to have deep mores on one or another side of this controversy, and though we're not talking about health, I'd bet the debate has a lot to do with this.
What on earth are you on about? Healthcare provision in the US has absolutely nothing to do with this thread.
I'm a Brit, OP is bought a machine in the UK therefore is likely a Brit.
If you want to protect an expensive item against accidental damage, be it a car, your house or consumer electronics you insure it. End of.