I called Travellers for a quote because they advertised a replacement value policy add-on for up to 5 years in case of a car getting totaled, while my current insurance only covers the first year at replacement value. Travellers said they could add such an add-on for my upcoming P85D for around $400/year on top of the base rate. After the 5 years are up, it then converts to cash value based on some depreciation schedule and you no longer pay the extra $400. I guess the question is, with all these threads about very high repair costs, whether you guys think it's worth having replacement value on a $125k car? Thing is, I suppose if it comes down to $30k worth of body repair work versus having to pay me $125k for a new car, they'd basically never want to total the car unless they absolutely must, but with the battery covered for 8 years, I'm not sure what kind of scenario would have replacement value actually kick in... Perhaps if I drove it head first into a wall or flipped it on the highway (two incredibly unlikely scenarios)?