I kinda like that system because eventually people will put their own OSes on the car, which the manufacturer obviously can't cover. Having separate insurance/service eliminates having to pay for it if you're accepting the liability yourself.
The conditions for the system to work are such that if you could find a policy to cover only those conditions, it'd probably just be like a couple dollars a month. Even behaving "badly" you would be unlikely to have an accident and even if you caused an accident, it's probably just going to be a couple thousand in property damage with no medical implication.