well firstly thinking you will roll over is a bad start before you even start 😉. As long as you dont do something crazy, take care of yourself and your car during the drive you should be fine. You have to of-course factor in the risk when you pay the extra premium for your insurance. What is the probability of you having a total loss in the first place? is it really such a common thing? you will probably end up paying the extra premium but never need it. But it depends on person to person, I know some people who have always had only 3rd party insurance, others would like to have full insurance even for an old car. So i guess if you are that sort of person who wants to have all his risks covered then go for it.