If you choose not to make the insurance and if there are damages, and can damage claims under insurance coverage. You must be responsible for the expense, it is likely that you do this instead of us insurance.
If you choose not to have insurance, and if the product is damaged and can claim damages under the protection of insurance. You are responsible for replacement cost insurance like you do for us.
If you choose not to insurance, and if the goods was damaged and can claim damages under the coverage of insurance You should be responsible for this cost instead like you insure for us