So if it happens again, his neighbours insurance will pay again so why should his premium go up?
Because he's been involved.
Even if blameless, he has become a statistic and been involved in an incident.
The algorithm has now loaded him into the numbers game.
The same happened to my girlfriend.
Her car was parked legally and correctly outside her house.
She was asleep in bed and awoke to a loud crashing sound and her car alarm going off.
A girl had moved away from a junction 100yds down and accelerated out of contol at such a rate that when she collided with my girlfriend's parked Rav 4, she took the rear corner out, bent the rear door jammed shut, shoved the Rav 4 up onto the pavement next to the neighbour's house and bent the rear axle so it jammed the wheel into the wheel arch, needing another vehicle to tow it back onto the road.
All this going uphill on a 1 in 4 hill.
The Rav 4 was a total loss write off.
Despite my girlfriend being in bed at the time and absolutely blame free regarding the incident, her excess was taken off her pending the guilty party paying up, and when she bought a replacement car of the same type, her premium was £50 more....because she'd been involved in an incident.
All because the insurance algorithm said that if it has happened, it is possible to happen again.
At least Dick Turpin wore a mask........