Why do men buy fully comprehensive car insurance and then not use it??? Or is it just my guy

Year after year he pays out a couple of hundred pounds for vehicle insurance so no matter what happens he's covered. Then when something DOES happen he DOESNT claim..says he'll lose too much Go figure!!!
The point is you pay more at the beginning for the extra cover so if in the event you dont use or need the extra cover surely it's a waste of cash and you should just buy third party fire and theft for a small amount at the beginning??

What brought this on was he pranged the bumper of the car today at work (nothing else involved :rolleyes: ) but he's messed it up it'll cost a lot to replace (he drives a suzuki grand vitara) and he thinks I'll give him the cash....I told him to claim off the insurance :p and he wont....hence my gripe...what would you do??