To answer Gilly again,
In the UK, if you have a full on roll cage installed in your car, some insurance companies will actually INCREASE your premium! This is becasue, in the unlikely event that you do have a crash, and you are injured and the firebrigade need to cut you out of the wreakage, then a roll cage is more of a hinderance than an aid. If you die cos the firebrigade couldn't cut you out in time, then the claim will be bigger! also your car will be stronger, so in a crash with another car, the other car will take more of a beating and could cause more damge to the occupants resulting in a larger payout from the insurance company.
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