I didn't need the insurance. I do it again if my DP tells me it didn't look good in the camera or if the actors didn't hit their marks. But if everything was working why do it again?
There are two types of films - one made by the big-time producers, the other is low budget stuff made by some producers who make films for the heck of it, they complete their films for small amounts, sell it at low costs with almost no publicity.