If the incident was "non-fault" your policy should continue to run, or you should be reimbursed the for the remainder. Insurers will argue that the very point of being involved in an incident, means you are more likely to claim again in the future. I have yet to see any evidence of this by an insurer. If your premium increases as a result of this claim, pursue the increased cost for what it will be for the next six years from the at-fault insurer.