i recently went into the back of someone (who turned out to have a car reg not licenced to the make/model they were driving!!) and am a new driver (7 months) on 3rd party/fire/theft policy so have to fork out for my own repairs. I got a cost for this the other day and am debating wether its worth taking this opportunity to buy a car with a smaller engine (1.1) than the one I currently have (1.8) as im sure id be entitled to get some money back on the insurance policy changing......am i able to do this? any advice??