Because it improves safety. If all the other holes in the swiss cheese line up on that rare occasion when you'd otherwise forget to fasten it, it could save your life. The argument that it's not worth incorporating a safety feature simply because we've managed without it in the past won't hold water.
Insurance in the UK is based on the legal principle of strict disclosure, so if you declared the car hadn't been modified and the assessor found non-e marked bulbs, that would in theory be sufficient for them to void the policy, even if you'd bought the car used and they'd been fitted by a previous owner without your knowledge.
In practice, insurers would likely pay out if it were an innocent misrepresentation; so someone without technical knowledge who bought a car with LED's already fitted should still get a claim paid; but if you fitted them yourself, you wouldn't have a leg to stand on, even if a resulting claim had nothing to do with the lights.
More discussion on this topic here.
For most drivers in the UK, third party cover costs more than fully comprehensive. The perverse logic is that drivers opting for third party cover have an attitude to risk which makes them more likely to have an accident
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