"Groups of free riders on the Paris Metro have created informal insurance pools that pay the fine when riders get caught. The groups call themselves mutuelles des fraudeurs -- fraudster mutuals.
The fraudsters pay into a into a central fund. Then, whoever gets caught riding for free can draw from the fund to pay the fine, which starts at about $75.
Insurance costs about $10 a month...."
Quite funny but a great example of insurance. Will likely be used in class next year! lol...