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      04-10-2013, 02:03 PM   #6
nicknaz
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Drives: F80 M3
Join Date: May 2008
Location: SoCal

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If you are concerned enough about the top that you would carry a tarp, you should get an extended warranty or plan not to keep the car after the warranty period...

A key factor with any insurance purchase is risk tolerance, and seems like you would rather lean on the "over insured" side.

FWIW, I agree with you, and I took the most comprehensive mechanical breakdown insurance possible by leasing for 36 months with no intention whatsoever of keeping the car after the contract is up....