"Heads the insurance company wins; tails you lose."
True, but that doesn't mean you can't have fun in the process. A mate of mine (who already knew that in terms of insurance his coverage didn't amount to more than the scrap value of his car) once claimed the cost of a crane and tow truck because his car had water in the carburetor.
Insurer: "Why on earth did you need a crane and tow truck to deal with water in the carburetor?"
Mate: "Well, it's got to do with how the water got in there."
Insurer: "So how did it get in there?"
Mate: "The handbrake failed."
Insurer: "How is that relevant?"
Mate: "That's how the car ended up at the bottom of the canal."
Insurer: "The... canal?"
Mate: "Yes. That's how the water got into the carburetor."