Firstly always refuse your first insurance off - they'll try it on - you can also demand they find you an equivilant car (mileage/condition) if they fail to meet you expectation of value.

Stick to what you know the Navara is indeed riddled with engine problems - I wouldn't touch one.

Hilux might seem expensive, but the resale, especially if you look after it is superb, we bought a new 3 litre auto top of range for £21k in 2007 and sold it 3.5 years later for £15k.

Toyota dealers and back up stand head and shoulders above the others should it go wrong, the only issue they had was the injector seals (and rattling injectors) up to 2008, mine started to rattle out of warranty fixed under goodwill without a moments hesitation.

Like all the pick ups and 4x4's the chassis isn't galvanised and the paint isn't wonderful on it either, so suggest you (or get someone) to blow the chassis over with a decent rustproofing wax, such as Bilt Hamber or Dinitrol, if the vehicle is a keeper...had mine pro-rustproofed and it looked brand new underneath after 3 winters.