Imagine buying a beautiful car, something you've always desired. Maybe it's a bottle green Bentley or something like that, right? Or a really expensive electric vehicle.
Next, you have to buy motor insurance. Now, imagine you've gone through that one year in Delhi traffic or in Mumbai traffic and you've managed to not scratch it or bump it and you've not gotten into a bad accident. Do you feel disappointed at the end of the year that your money is not coming back to you, the motor insurance? Or do you feel happy that you didn't have an accident?