VFR on the top and VFR over the top.. Requirements?

First of all, what is the difference between the two. From what I understand, VFR on the top is when you file IFR then cancel it when above the clouds. and, VFR over the top is flying VFR every minute of the flight, takeoff to landing. Is this correct? Also, if I am only a private pilot and not instrument... show more First of all, what is the difference between the two. From what I understand, VFR on the top is when you file IFR then cancel it when above the clouds. and, VFR over the top is flying VFR every minute of the flight, takeoff to landing. Is this correct? Also, if I am only a private pilot and not instrument rated, can I still legally fly VFR over the top?
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