For most private pilots, the most significant value of flying under IFR is the ability to fly in instrument meteorological conditions (such as inside clouds). Additionally, all flights operating in Class A airspace, defined as the airspace from 18,000 MSL up to FL 60, must be conducted under IFR. In the United States, an instrument rating is required when operating under Special visual flight rules (SVFR) at night.
Requirements For an American Instrument Rating under part 61 of the Federal Aviation Regulation
The Canadian license VFR OTT (over the top) allows private as well as commercial pilots to cross IMC areas when start and end of the trip is performed under VFR conditions.
In the UK private pilots can attend a less intensive training to acquire the IMC rating, restricted to the national airspace. This does not confer the privileges of a full Instrument Rating, but allows flight in IMC outside controlled airspace, IFR flight in class D and E airspace (IFR flight outside controlled airspace requiring no qualification), and flight on a SVFR clearance with in-flight visibility below 10km (but more than 3km).