He has to put the hands in his pocket on personal insurance as the damaged claim has to be told to his personal insurer
It doesn't, though, because he didn't have an accident and the vehicle wasn't involved in one whilst under his "ownership". If they want to claim for the damage, thats fine, but I'm pretty sure it's not motor insurance.
In fact, PM Chris Knott or another trader on here, I'm sure they'd be happy to help and will certainly have better knowledge than us lot.