If you had comprehensive insurance then irrespective of who is at fault, you will have a pay-out equal to the value of the car at the time of the accident.

If you dont have Comprehensive, and fault cannot be found in the other party then it is likely the insurance companies will agree to go knock for knock in which case each party pays out to their own party based on the policy you have - in which case you will likely not get anything.

As for the premium, that was due in full the moment you made the claim and the only way to get anything from it is to transfer the policy to another vehicle (which you have already indicated isnt an option).

Sorry if the above is bad news

Fiamold aka Dave

Not quite sure what the question is here. If you paid your premium that's it - you will have to pay any excess but no more (unless there's something else in the policy). If you;d paid the premium at 12:00 and the accident hapened at 12:01 the outcome is the same.

What happens to the insurance premium paid on a car when you have an accident and it cannot be proven who's fault it is. The insurance had been paid for the year, but had only been paid two weeks before the accident, the vehicle is a right off and cannot afford another one.