I read a good article in ASM a while back, you might have heard it, but this is what happened anyway. The former editor of the magazine had a GTR (r33 I think) he was going to sell, and the insurance ran out. Because he was going to sell it & kept it in garage he didn't renew, and then one night decided to take it & get some KFC. Long story short, ended up nearly getting carjacked after his car was hit from behind by a stolen wrx, and the brant alarm & keypad saved him from having a 45k loan for an empty space in his driveway. He said if he was insured he would have just given them the keys instead of running away, chased with a baseball bat & axe, and hit by a car.