<prompt> Human: So I stupidly and drunkenly broke a friends neighbours 5mx5m double glazed conservatory window at a party. The incident was totally accidental but I do take full responsibility for it.The next morning I went to his house, apologised, gave him all my details and offered to cover anything that hed have to spend to fix it.Yesterday I received a text telling me that his first quote was for 7000, Im a 19 year old who wouldnt see that sort of money in one go for many years. My friend tells me the neighbour doesnt want to go through insurance as it will effect both his, and my friends policies. So, rpersonalfinance i have a few questions.1. Is there any logic in him not claiming through insurance? After all isnt this the very reason you get insurance in the first place?2. I simply wont have 7000 for a long time. If theyre making a choice to not go through their insurance do I have ANY say as the person whos going to settle the bill?3. What steps can I take to start paying this back, if in the worst case scenario the bill sits at 7000?Thanks guys and gals x  <response>: Claiming on their insurance would effect any no-claims bonus and could subsequently cause their insurance premiums to go up 