I dunno if there is any statistical information available.
I guess, but I would compare that type of insurance ( If existed) to purchasing extended warranties on big ticket items. I had an acquaintance who was a manager at a Best Buy years ago, he told me extended warranties are basically a big scam. Sure a few people may actually benefit from it, but for the most part it’s just an extra cash grab for the company, with all the conditions put on it. I think would be the same for that type of insurance. I think all insurance is just a scam for the most part. I just base that opinion on my personal experiences in dealing with the idiots though :)