Fair dos.
I didn't bother when I ran the MR2 (first one), only bothered with the VXR because it came free with my road insurance, ditto with the Zed as it transferred over, and then only did one day with the 911 before I swapped insurer.
After seeing some pretty horrendous incidents, and realising I might have been pushing my luck a bit, I now only drive cars I can afford to bin, or I'd only do a day if I had insurance. It's very easy to do £20K+ worth of damage to a Porker...! It only takes one idiot, or one slight mechanical failure, or one dodgy turn, and you could kill a Zed easy. Fair play if you've got the balls/cash to track it without, sadly these days I have neither.