All companies will charge you more if your dad's had an accident, and they'll mostly all charge you more for paying monthly. Regardless of fault, having been in an incident increases your risks in the eyes of all providers unfortunately.
I've had an amazing experience of admiral. I've been with them for 2 years. I had a crash last year and they were blisteringly fast at sorting it all and paid out within a week. It's by far the cheapest provider I've found also, with their multi car discount.