I fly 172s in the Philippines of all places. Contrary to what some people have mentioned in connection with other country's regulations I can quite categorically state that VFR on top is NOT permitted in the Philippines unless you are flying an instrument flight plan and, needless to say, you have the appropriate endorsements on your license. I do not but I am learning IR.
In my opinion flying over clouds is a matter of common sense and safety. If for example you are flying along at 6000 and there is a cloud with a ceiling of 6500 and a base of 2000 in front of you, it would make much more sense to climb to 7000 to get over it than descend to 1500 to go under it. Subject, of course, to whether or not your are sure that the ground will always be in sight.
Bottom line here is don't do it unless you are 100% sure it is safe.
