Must be a bit of a knob, to do that to a mates, whether you knew or not, police wont pay out, your insurance would, but there goes your no claims, I would get him to take a loan out and get the money now personally, failing that if your willing to be paitent then I'd prob look at a mk3 or polo something like that, my 16v mk3 was sweet for me had it just over the year and never broke down on me. They can be had for dirt cheap aswell