Health - just extras cover on me, had it since I was 18, so costs me very little for some basic coverage. Every time I look at adding the family, the cost can't be justifies due to what we would get back. I could put that money away for extras and come out in front. We considered it for major dental (looks like DD1 will need braces), but from what we could tell we would get very little towards that, so no where near enough to make it worth it.

Car insurance - full comprehensive both vehicles. Has been so worth it for us. Love the fact it get paid out or repaired and the insurer chases the other person. One car was reversed into whilst parked (thankfully witnessed) and the other was a complete write off

Home and contents - will always have these as well. The bank insists on home, so no choice there for now. We have unlimited rebuild, so whatever it costs to put a similar house back. Contents may not be enough, but honestly if we lost the lot and got a payout, then I would think carefully about what we replaced.

Life, TPD, Accident, Trauma - so important. Before my sister died, she said stuff health insurance, get life. They had health insurance, but due to her cancer should would have been treated anyway regardless. She had no life coverage though, not great when leaving behind a husband and 2 very young children. So whilst no health, the trauma will give a lump sum that could be used towards health expenses.