Not sure if I understand wat u tryin to say here, first I thought u may need advice wrt cel4n insurance (heading), but yo message talk about looking 4 a 4n???
If its the latter, maybe u may wanna check de classifieds
killadoob : your best bet to get ideas on prices is to check exactmall, and subtract maybe 10%. You should be able to get a new phone for that kind of money.
I'd recommend buying the Nokia 6110 Navigator. I take it the 5K was an insurance pay-out and you want a phone that plays music and videos? The Navigator does that and more
I can also recommend the 6110 - I've have it myself - GPS, HSDPA, biggish screen and features latest Symbian S60 v3 FP1 OS release. [I play Symbian port of Quake I on the phone...]