You're arguing against yourself here - GetAround obtained insurance even while being disruptive.

More to the point, neither GetAround or AirBnB are in any way deep into territory that insurance hasn't ventured before. Insuring against burglary/damage in rental properties happens all the time, just like for rental cars.

The only times when insurance is unattainable is when the risks highly outweigh the premiums (SEE: Flood insurance in the Mississippi Delta) or when there is no actuarial data available which is tough to come by at this point.

For the first point I'm going to say the parent is very correct in avoiding this type of un-insurable behavior. And as for the latter, you had better have deep, deep pockets because if you can't even convince an insurance company of the risk, are you sure you've thought it through?