I don't confuse the OP. I was simply stating, that he's not the only one. Do you work for AXA? Why are you so persistent on this insurance thing?
Exactly. In Bern, we had insurance, but never had to prove it. In ZH, I was required to send the Gemeinde proof of personal liability insurance.
That is correct and it is also the only time liability/3rd party/RC is mandatory.