Ford Ka New Car Total Damage Insurance Was Free?

We bought our daughter in May 2010 a new Ford Ka, which was scrapped in July 2011.We had a free insurance for this vehicle for over 4 years with us.We bought a new Ford but without this insurance because Ford no longer offers it. Since our daughter is a beginner (18 years) we have a huge damage, also the Financing that I have now completed is 1 percent higher.Can I claim this damage?I have heard from my lawyer that the condition as it was before must be restored with the interest and processing fees he has no experience of this claim he has not yet represented with any client which makes up after all 3-400 Euro. M,F,G Heiner