Consent and indemnity agreement

Urgent help needed!!!!


Visited my friend and he took my car without my knowledge, had it involved in an accident and only found out when he returned it and informed me. He said it was a small crack on the bonnet and no pictures were taken. My car suffered some minor damages too.


I didnot do anything but waited until when my insurance contacted me and I told them what happened, because my friend is not insured as he has no driving licence, the insurance said they were going to pay the climant but won't do any repairs to my car as i was not the one driving at the time of the accident. They then cancelled my policy and had to find insurance somewhere else. (This was not easy at all being a newly qualified driver).
Now, one year down the road, the insurance have contacted me and asked me to sign an indemnity and consent form so that they settle the claim and then send me the bill to pay them all the money back including their fees. PLEASE ADVICE: Is there any way i can get out of this without having to pay back (am not financially stable at the moment) since the car was insured and was not aware that my friend had taken it. Many thanks