Gap insurance for GT3?

[RankAmateur]

Regular insurance policies will pay "market value" for your car in case of a total loss. For normal cars, this naturally means a heavy discount against the invoice price. However what does it mean for a 991.2 GT3, or any GT3 for that matter, when market price is higher than list price??

Is there a point to getting a Gap insurance? Or will the insurance company simply apply an arbitrary discount to list given "illiquidity" of second-hand stock (and hence difficulty in establishing market price)? Or will they only pay the base list price of £118k and exclude the value of options?

So is it worth getting gap insurance for my new 991.2 GT3 or not?

Tricky all this.