I had an accident last year and was very shaken up by it even though it was only a minor bump. As a result I was 'bullied' into saying it was my fault on the phone to the insurance company, which afterwards I was told by friends and family you never admit! (The situation itself was uncertain) But we got a new car, and now my policy is coming up for renewal. The problem is, now with no no claims, and a record of having an accident, it seems my insurance is going to skyrocket to around £1000 for the year. I am considering selling the car, it is such an expense. I only really need it to visit my mum in Scotland, and I would get by with occasionally renting a car instead, but with this accident on my record and only having had my license for about 2 years (I'm 24), I think that renting a car might be difficult.
Does anyone have any advice, or recommendations? I also have my long term boyfriend on the insurance as a named driver, he is also 24, but has no history of accidents etc. Would there be any benefit in having him as the main policyholder?