Civil liability family or private life insurance is recommended, even though you do not have children or pets; or even though you do not ride a bike.
Indeed, no one is immune from mishaps, a lack of attention, or carelessness which causes damage. Similarly, no one can be certain that one’s children, pets, etc. will not cause damage.
The purpose of family insurance is to cover the financial consequences, sometimes significant, of damage arising from the extra-contractual liability of private life, with the exception of risks subject to insurance made compulsory by law (e.g. civil liability car insurance).