First of all, complain to the insurer and write to their chief exec. Then complain to the Financial Ombudsman Service. Advise your insurer you will sue them for breach of contract if they payout on the claim, as they have caused you financial loss with the increased premium, this is a vexatious claim. Ask your insurer to contact the other party's insurance, requesting evidence to substantiate their claim. I suggest you then see a solicitor to raise a counter claim for the person who is alleging that you hit them and sue for your losses. Can you prove where you and your car were at the time of the incident? If so provide that to your insurer. Also report the fraud to the IFB and IFED: www.abi.org.uk/products-and-issues/topics-and-issu.../