Originally Posted by pani_k

A claim has been raised and settled so your neighbour or his insurance will have paid for the cost of the claim so his liabaility has been sorted in full. It isn't your neighbour's fault however, that the legalised thieves in this world called insurance companies choose to penalise your son on a non fault claim. It isn't fair and it is scandalous what they do but they have us all over a barrel.