You can fly above a layer of cloud without surface in sight during a VFR flight, I'm pretty sure of that. But, doing that means you cant assure a safe visual decent clear of the cloud layer when you reach your destination which equals suicide surely?
It' is different in many countries. VFR on top is no magic. You navigate using your radio navigation skills. An E-6B will tell you the ETA for the next VOR/NDB. In case of engine failure you could still fly straight ahead and use your "under-the-hood"-training you hoped you would never use. (or you've got Garmin some-thousand and synthetic vision but I'm not familiar with this concept yet...
) Of course you must be certain that you are able to descend at your destination and alternates.