Defraying risks has been a goal for humans ever since trading began, perhaps even as far back as the Early Bronze Age. The Code of Hammurabi speaks of traders insuring their goods in ancient Babylon. As trade and human civilizations grew more complex, so did insurance.[1] Today, you can insure almost anything.
When I took the driving test for my LMV licence I was quite nonchalant, having driven a two-wheeler for about two years before and schooled in road rules by the extended family, mostly in the form of asides when other road users behaved badly, “Idiot! Pulling into traffic without looking, without signalling! What is this country coming to?”. At the RTO, for the driving test, I remember being packed into a Maruti 800 with five other 18-year-old women and the Motor Vehicles Inspector. The test was simple.