Can I book a plane ticket online without paying the insurance premium?

Some websites bundle air tickets, so they won't give you tickets without insurance, but regular websites will remind you that you can't place an order without insurance when you don't choose to buy insurance, so you can't book it, and you will be informed that you can't issue tickets after payment. Wait and see if he refunded your money. If it hasn't been returned after a week, it's probably fraud.