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Price imo isn't bad (you'll probs get offered 6k) I'd amend the bit about the previous owner doing that amount of miles in it as it looks like you've only had it for 500 miles.
Insurance over that ?? He gives you the cash, chips away etc sort it out for you. No insurance company involved. If he doesn't pay up speak to the police, then go from there.
I know that your meant to inform them of any little knocks etc, but imo unless you have to I personally wouldn't.
You could maybe get a laguna 16" steel for it ? I don't know if it'll fit though.
Tbh though having no spare doesn't bother me that much (not hat I could have a spare even if I wanted to)
Nice progress with it, I can't believe how much bad luck you've had with it so far though:( I know that mk1's are a bit hit & miss (I had one) yours seems to be in need of a bit of tlc (sorry to say that) but I can see your doing well with it :)