You're lucky this time, good luck getting a payout, I can't offer advise based on experience as my P plater car was a rusty pulsar n15 (which I bought from a vietnamese catholic, it included pictures of mother mary on the visors, but smelt of bong water like her son had been pulling cones down the freeway) as such I decided on 3rd party property insurance but here's my unsolicited idea: your car should be crushed into a cube and you should start again, save up some money (interesting idea http://www.barefootinvestor.com/free-cars-buying-plan/) buy a jazz or something else 'slow', buy full comp insurance & get some more driving experience - all of us we can never have enough experience. Speaking of which the one thing you've gained from this is experience