[kolme]

> Shimano's hub gears need regular maintenance where traditional derailleur setup will go on for thousands of miles with only basic maintenance.

I think you got that bit wrong: you have to clean and change parts more often with derailleur systems (the teeth for example erode much quicker). Insurances for hub systems bikes are cheaper because of this reason, at least where I am in Germany.

Not a bike expert but I happen to have a hub-geared bike with an insurance and I was told that by the insurance guy.