I bought my Typhoon when I was on my P's, although I only had 2 months to go. I only drove it once or twice, hardest thing I ever done but kept thinking to myself if I smash it, that's it game over. I got insurance easily enough, but was sure that they would not pay out if I smashed it. And 40k seems massive for a second hand car, he'd be paying back around 50-55k? That said, it's damn hard not to do it lol