I came home from a wonderful holiday on Saturday to discover that my car had been stolen

It was found yesterday by the police, totally wrecked. It was only a '93 micra, but I really need my wheels to get to work, there's no busroute from where I live to my job.
Now I have to face the problem of the insurance company giving me feck-all, due to the age of the car. The amount they're willing to compensate will not cover the purchase of another '93 Micra, even though I'm insured for theft.

Do any other countries out there have problems with joy-riding? (for those who do not know, 'joy-riders' are what they call scumbag teenage car thieves who steal cars just to spin around at high speed for the night, totalling your car when they're done!)
I'm sooooo pissed off right now