OP here! I had insurance on the car, I did it over the phone the day before I collected the car so I was all legal to drive it. The guy who hit me had no insurance on his car, and was promptly taken away by the police who were called to the scene by a passing motorist. It was a head-on collision caused by the other driver, so I'm not at fault. My car is what my insurance call "a total loss" so it's beyond economical repair and wouldn't be safe to be back on the road anyway. My insurance company are going to deal with all the valuations and payouts (I can get a payout on the value of the car) but it's just such a shame as the car was super-low mileage, factory-spec, high-specification and in MINT condition. It was a car I'd always wanted but alas, it was not meant to be! No serious injuries to report, couple of cracked ribs from the impact/airbags and bruises but I was able to walk away from the accident, which is a plus. Not sure what affect this will have on my insurance premiums though, but time will tell.