No insurance, no screen protector. I tried a few over the years but I never successfully applied one as I found them all too fiddly. You end up with bubbles, and don't get me started with the liquid applicator ones. So I sacked them off as a lost cause.
I use a case and and I'm fine with a case as long as the bezels are slightly higher than the screen. It means that if I drop it onto something hard like a pavement, the screen won't come in contact with the concrete. So I have lost a couple of cases in this way but it's only a tenner a pop and the handset itself is still pristine.