the rough details are as follows:

my dad's mate
his daughter has just passed her driving test
pestering her old man for a car
a new car
he buys her a car
a new car
insures it
£3k for her as a named driver on his car
second day out, she punts someone up the arse, smashing the shit out of both cars
her old man, not wanting to blemish his unblemished accident record, agrees to pay out of his own pocket for the repairs on the other car
then he finds out the other driver is not insured
now he doens't want to pay out for the damage his daughter has caused

is he right?

is he wrong?