I know you're being somewhat flippant with this question, buy I'll bite.

So you -did- use your insurance this (and every) month. You didn't-claim- from insurance, but that's incidental.

Insurance exists to give you peace of mind (or more technically act as a hedge against your risk). You got that benefit/peace/hedge so you used your insurance.

Now, if we take this thought, you could argue that Netflix isn't there to provide "show x" which you may, or may not, watch. Rather its there yo provide you with the -option- to watch show x. Whether you watch it or not is up to you.

I feel this comparison is not equivalent though because risk is very real, while selling a "Netflix option" seems very contrived.

Similar, though not quite the same. With insurance, I would rather not have to use it. With Netflix, I would rather use it.

Everyone uses their insurance - an insurance claim denotes when you get snake-eyes, not when you roll the dice.

No, I don’t use it when I’m not driving.

What if someone does a hit and run against your unattended car?

That’s not covered by my liability insurance.