Questions re floor insulation

I've been reading some build instructions and looking at photos of builds and I have two questions about floor insulation. If I'm understanding correctly, after you've applied the tar to the bottom of the floor (the underside that will face the road), you should stick your insulation panels into the wet tar.
Questions:
1. Do you use anything else to hold the insulation panels in place, or is the tar an adequate glue?
2. Do you paint tar over the insulation or cover the insulation with any type of protective skin? If not, doesn't it get damaged by stones and such being kicked up from the road?

Questions:
1. Do you use anything else to hold the insulation panels in place, or is the tar an adequate glue?
2. Do you paint tar over the insulation or cover the insulation with any type of protective skin? If not, doesn't it get damaged by stones and such being kicked up from the road?
