If it is obligatory for you to take the insurance in the country where you are living, then yes, in this case it is permissible.

 

As for benefitting from the insurance: https://www.assimalhakeem.net/my-family-was-involved-in-a-motor-vehicle-accident-and-as-with-law-in-canada-i-order-to-drive-a-car-you-must-have-insurance-my-kids-were-bruised-up-my-ribs-and-chest-very-hurt-is-compensation-har

In our country, medical & car insurance is mandatory. A lot of Muslim brothers say that we take these policies because we have to obey the law; but at the same time, if a need arises, it’s best not to use any benefit from these policies. Can you pls explain whether it’s best not to use them? Also some points which I can convey to them as well.