Agreed and agreed. Unfortunately, to be covered by insurance, we have to be among the insured, which brings on registration etc etc. Kind of a Catch 22 situation. Trying to ticket you is carp. The legal system, well meaning though it may be, does fall down when logic is applied.
Coming up with THE ANSWER, is beyond my capabilities I am afraid. Also beyond those whose business it is to come up with the answers I think.