I'm not being litigious, but its stupid to pay for something you're not going to use.
Not only that, but being the nice guy, youll get taken advantage of. Seen it happen so many times, "Dont worry mate ill pay for it, no need to go through insurance"
Gets a quote, then suddenly the guy is impossible to contact and dodges all calls...and because you didn't make a claim when it happened, you have to jump through ten thousand ****ing loops to get the money off him to get the car fixed...and thats IF you manage to get the money off him
Honestly mate, he may be the nicest guy in the world, but peoples personalities do complete 180's when people have to cough up lots of $$$ for something.
You have WAY too much faith in people, and thats going to cause a lot of headaches for you.