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How can I help with this please?
You have the same rights as every other citizen under the HRA and domestic law.
Could you ask a more specific question?
You are perfectly entitled to settle without claiming on your insurance but the problem here is that you are seeking to claim on your insurance. I realise that that might have been his choice and not yours but that is not the issue here.
They can't find new failing to report although they could dishonour the claim. What they can do though is make you pay the excess of £500 I'm afraid.
I'm very sorry but that's the reality.
Can I clarify anything for you?
No problem and all the best.
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