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My policy but husband drove car and had accident

Hi. I am trying to get a new quote. My husband had an accident in our car 2 years ago. I was the policy holder but had nothing to do with the accident. My Husband is no longer able to drive and I simply want a policy for myself but I am being told I need to declare the accident. In fact there are insufficient options to explain that the accident had nothing to do with me. This is fundamentally wrong. It was my husbands accident, not mine! Please clarify, because insurance rules are wrong in this instance and unfair, it is costing me more money for a policy!
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