To be honest it all depends in how bad you crash it!!! all i can say is really that if you go to a club and find some one willing to teach you then you are much much more unlikely to crash it within your fist few flights.

P.s I have had a couple of crashes that have only caused damage to the airframe, i think you really need to nail it straight in to damage the engine but you should always do a range check to check the radio gear after a crash or a hard landing!