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Message: <blockquote data-quote="ron g" data-source="post: 1171961" data-attributes="member: 13653">surely you have top up insurance in event that the outstanding finance is more than the insurance value? every insurer i have dealt with has asked me if i want this.modifications should also be insured - both top up & modification insurance is not very expensive & well worth it.when my wrx was stolen i also had new car deposit protection. this was really cheap, & paid out a % of the settlement amount in event of a total loss. in the case of my wrx this was calculated based on the insured value of the car, plus the insured value of the modifications - really came in handy.</blockquote>