You will probably need a Chinese credit card to make the deposit. I usually buy the insurance when using zuche. Never heard about the 20% payoff if you lose the car. Maybe that's if you don't buy the insurance? Besides they can track the car on GPS remotely and can even shut some of them down remotely as well so I doubt that's an issue.
There is a party on friday at Laba that should have some of what you're looking for. Djs kris and martin both have some pretty good electronic music like house/tech stuff as well as other genres. I would say that there aren't currently places in kunming that can always be reliable for having a certain kind of music (except for the crap in kundu) I know in beijing and shanghai you can go to the hip hop bar or the techno bar and you can pretty much be sure of what will be playing there. Not so much here, just flashes in the pan from time to time.