That is very clear thank you .
This is related but in fairness to you is a separate question so I am happy to pay more if required.
In relation to the claim (my son's car rolled off our drive un attended and damaged the brand new wall of my neighbour) , as the neighbour has insisted on completely rebuilding the wall (cost £1400) we had to go via insurance . I am worried that the insurers may take the view that the wall is repairable (which I believe it is) and not fund the total rebuild. Would I then be liable to pay my neighbour the difference?
Many thanks , that is very helpful indeed