It’s not the issue of having or not having insurance… many times or all times - the issue relates to the kind of activities one choose to participate in.
if you are into and intend to be in active sports, driving, motor cycling, scuba, ….etc on holidays - then you should get insurance.
It’s also known as risk management 😎
From what I know - shopping at LVMH, Gucci carries little to nil risks unless - of course - if you are the one paying for it 🤣😎😎