accident

[rustyrider]

Any one know what happens with my own insurance? Do they refund me the remaining months?

Some will refund, others will charge you for the full year and then cancel the policy, it depends on the company.  If you buy the remains back, insuring it later may be a problem depending on what category they give.  If it's a Cat C, some insurers won't touch it but others will expect it to have a new MoT to confirm it is OK.  Cat D and most will insure it as that usually applies to cosmetic damage only (I've seen Cat D cars that have been stolen and recovered and all they need is a set of locks, but have been written off due to the costs of supplying the owner with a hire car, etc).  If you buy it off them they may not even register it as having been damaged so it won't have anything shown against it.