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Insurance Help please

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i lot of you will no i had a nissan micra and got drove over by a 4x4 wen it was runnin a red light my insurance wouldent pay out as i had to pay the policy off.

my brother has now just gave me a 1l polo i have a forum to say the crash wasnt my fault but wen i try to get a quote I'm gettin 2700 on a 1l from most place's i have no no claims been driveing 11months 20years old anyone no where i can get insurce cheaper cus i cant afford over 2000 cheers

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Not that i recommend this, just dont put it on the quotes and hope they dont find out.

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