For the sake of £300 for 4-5 years cover on most policies, If I'd paid £40k outright for an S3 or similar car and in 2 years it was written off and I received £25k from my insurer, I'd be pretty happy that the extra £300 I paid for GAP got me an additional £15k payout personally.
That said there are some policy providers out their where the cover isn't worth the paper it is printed on.
That said there are some policy providers out their where the cover isn't worth the paper it is printed on.