I have always had at least 3rd party property on my cars, even the Gemini, but have gone full comp with the skyline. When your are over 25 rating 1 the premium is pretty good, definately worth the piece of mind. I have had a few mates get hit from behind, while stationary at a give way sign for example, and people give them dodgey info or refuse to pay as they don't have insurance. There is not a lot you can do, with full comp, its not your problem, its the insurance companies. That by itself makes it worth it, even though I am yet to have an accident.