Thank you everyone that's exactly what I needed to know.
I did check over my shoulder, I realise I left that out of my account above but I said that to my insurers. My car is a new 4x4 and it has large mirrors with those extra bits of the mirrors that mean you have a better view. I'm my opinion the other party was not in the lane when I moved over but I understand now none of that matters as reallymadwoman said 1% or 100% fault has the same implications.
The person at the insurance company said that if the other persons claim was for £100 or £10000 it would make the same difference to my renewal price. Is that true?
My renewal is due next month, what do I put when asked about the value of an outstanding claim?