Something my mother used to do.
She would order clothes from Marks and Spencer, something she wanted but they charged for postage if you didn't spend enough.
So she would also buy something she didn't want to get free delivery.
Then she would drive in to town to take the unwanted things back to M and S.
Talking about insurance, I am with you as to why anyone would go on holiday without insurance, but people don't always have insurance for other things.
I use a mobility scooter, I try not to get in the way of people but if I do run someone over and it is my fault I have insurance.