I recently (6 months ago) went in to see Keith at Advanced Sails to have him repair a kite.
I take all my kites there when they need repair. I hadn't seen him since 2001 when my 11.8 Wipi Airblast blew up the first day I pumped it up. I take all my injured kites to Keith.

So in a nutshell, I have had one kite repair in 7 years.
I would have spent approximately 1,200 dollars on kite insurance if I paid 60 bucks more for each kite I bought for the insurance over the years.
I don't know. I am not convinced everyone wants to have to pay for insurance. It should maybe be an option.

I have spent over 30 grand on car/truck insurance over the last 25 years and have never been in an accident (not even a fender bender) or filed a claim, not even when my rear window got busted.
Funny, they keep charging me .... every month, just the same. If given the choice from day one, car insurance would be the LAST thing I would agree to participate in to "protect myself".