If you are going to have a new country of 'don't insure me' it is clearly not in some sort of non country section of the drop down but resides just after Denmark.
I've talked before about where Ryanair if people did what they asked they would disappear. But I still like them, I just like pointing out when some company acts oddly.
There is a level of hiding extra charges from people. Setting up your own country to get an extra few quid out of people really shows commitment.