Then you're an idiot. When you renew, they ask you whether you've had any claims OR ACCIDENTS in the last year. Thanks to the power of the internet, there is now a whole lot of proof (including photos!) that you did indeed have an accident in the last year, so if you don't tell them about it when they ask then that's fraud. And that's rather naughty, and if they find out then they can invalidate your insurance.
I appreciate that from my tone above this next piece of advice may come across as a little condescending, but lots of good folks have given you some very good bits of advice on here regarding this situation and your tone with them has been somewhat less than polite. I understand you're angry at the situation, as might well I be, but taking it out on people on here isn't on IMHO. You'd do well to listen to the advice given and move on, however if you choose to pursue this through the civil courts then I'll stand on the roundabout in question stark bollock naked except for a sign saying "RABSTER IS AWESOME" if you actually get a result from it. Move on, life's too short.