I nearly hit a sheep last year as Humpy will tell you
But....
A. It was suicidal
B. it would have saved us a few £ on the carvery
C. ChrisS would not have spoken to me again as apparently it was his first love
It all depends on what you driven before as well and will go down significantly after a year
I am in my 40s and my first year was over £800 now its under £400 and that is with a no blame accident