Welcome to the forum.
Hold down the Ctrl key to do an Insert Edit.
Sorry, apparently I'm unable to edit my original post - I mean beyond holding down ctrl. I want it permanently off. Thanks for the reply, though.
It's not possible to switch it off, the modifier key is the only option when adding. When deleting you can right-click and select 'clear' to avoid the ripple.
Insanity is hereditary, you get it from your children