Zero-sum thinking has consumed economic agents in financial decision-making. Zero-sum thinking is more often associated with adverse consequences. Individuals who assume that their interests are opposed to their counterparts' interests frequently overlook possibilities for mutually beneficial contractual agreements. Zero-sum reduces trust, honest, good faith. Consequently, this increases the two fundamental challenges of the insurance business: Adverse selection and moral hazard. The consequences of the zero-sum game hypothesis are manifested in the low uptake of motor vehicle insurance uptake, where erroneous assumptions about opposing interests interfere with enrolling for Motor Insurance policy. The study will explore the zero-sum game theory among the economic agents in purchasing insurance products ie. insuring their vehicles for comprehensive cover.