Even so, it’s a pain in the ass involving police reports, there’s a deductible, the equipment needs to be special order, etc. etc. Not to mention the week or two of complaints you get. But yeah, insurance is good to have when an FM transmitter can cost anywhere between 3000 and 16000 euros depending on wattage and features. The remote ones are at the cheap end of the scale, but you’re still looking at about 4 grand when all other costs are factored in if you didn’t have the insurance.