Had my Fairphone 3 over 5 years now, and I dropped it a few hundred times ago - only equipped with the small "bumper" (a rubber ring around the edges). Only in the end I noticed worse reception - I guess some of the antenna contacts inside came lose. BUT you can totally disassemble the phone yourself and fix that - you only need a normal screwdriver. I upgraded to my Fairphone 5 a few days now - and I'm totally happy with it! Better camera, more storage and better fingerprint sensor.
Plus, they'll support your phone with updates for 8 years, I think.
You don't need insurance FOR your car. You MUST have a "Haftpflichtversicherung" - but that only covers damage done by you and your car. If you only have that, you'll get exactly 0 Euro.
Most people here have partial coverage, so if glass breaks, you get into an accident with a wild animal or you car gets stolen - and you'll get some money back.
Full coverage would also include stupid mistakes you made. As long as they are not on purpose or done by speeding, drinking and driving and stuff like that.
So yeah, most people with newer cars would have full coverage. Expensive tho. So older cars usually only have partial or none coverage - only "Haftpflichtversicherung" is a must. Without you are not allowed to have a car in traffic.