One for the insurers...

[BDZ]

A friend (really) was driving his motor last week when as he was parking up an old tree fell onto the bonnet of his car and smashed the windscreen. He called the cops at the time who advised him (correctly) that it is not technically a reportable accident since there are no injuries, other vehicles, or animals involved and there is no damage to property caused by his car.

His insurer are now refusing to pay out saying that as it was not a reportable accident, they will not pay out for it, leaving him a bit stuck.

Anyone with knowledge of insurance companies able to advise how he ought to proceed?

[BDZ]

He's now been advised to take action against the council, whose badly maintained tree it was.

As you say, it doesn't seem right.