Its special modified car insurance, most modified car owners here rarely drive their cars in traffic and mostly on weekends before the traffic
get busy and insurance risk is very low, the only way you have something happen if your being stupid or just plain unlucky.
Now my other insurance on other cars is another story I've been hit whilst parked 6 times in the last 5 years.
I'm at a point when we go shopping one sits in the car or park in a such a location where it's impossible to get hit.
It feels like I live in France when they play bumper cars.