You can afford a TV and a roof over your head, ergo facto you can afford insurance. Everybody needs to insure their goods for acts of God if nothing else. What about a storm like in '86 where flats and houses were destroyed? Rare yes, but COULD Happen. It's not just about protecting your property against nasty burglars in stripy jumpers with SWAG bags and masks on. You can get insurance as cheaply as £15 per month. I assume you have a phone, electricity and running water? If you can afford those you CAN afford insurance.
As another poster said, you make assumptions about everybody else but don't like it when the tables are turned.
Not ALL criminals are the same and some of their families do dserve support.
You make assumptions that I can afford £15 a month (which I cannot, something would have to give), yet castigate me for making assumptions - is this not hypocritical? I live in a rented flat, storm damage would be covered by buildings insurance rather than contents insurance, thus the responsibility of the landlord.