Writing off my first Starlet completely fucked me over, I'm 19 atm, 20 in Feb, and haven't had an accident since the beginning of 2007 (write off was around december 2006). Have had to be on a named policy ever since, would have cost too much to be as the main. Even now, a quote can be around 2 grand, which I or my parents simply cannot afford. T'is a fucker, but we're waiting to see what it's gonna be like when I turn 20. Was planning on having a GT by then, but hey ho, thats the way life goes. I think the crash actually made me a better driver than I was (not that I was crap in the first place, but..)