The neighbour does not have to claim on their insurance whether they have it or not.
I’m sorry to say that your fish to and therefore, it’s your responsibility.
You may be insured for yourself but it’s up to you whether you put this through your own insurer or not.
Very often, it isn’t possible to replace old for all although if some of the stuff is at the end of its life, it will be grossly unfair for them to get new as happens with an insurance policy. You would therefore argue “betterment” and you would pay them a reasonable amount based upon the age of the items.
Ultimately, as you quite rightly say, the “victim” is entitled to be put back into position that they would have been had the incident not occurred.
If I have answered your question for you, at the top of the page, you should see a rating facility. Can you please rate my reply 3 stars or more because that really helps me? Please note you are not rating whether it’s favourable, because sometimes you may not get the answer you want, but basically my knowledge and way of dealing.
The thread does not close and I am happy to answer any questions you may have arising from this.