Our next door neighbour had a roofer installing fibre glass in their roof during, which resulted in both our cars being covered in fibre glass and resin. The roofer admitted liability and said he wanted to rectify the damage. He asked us to get some quotes from a bodyshop, which we did. We don't want to claim off our insurance so we requested to go through his public liability insurance. However, our car insurance company wanted us to go through them to make the claim to put it right, which we don't want to do because it could push up our premium. All we wanted to do was use our legal cover, through our insurer, to get good advise - but they won't do this because it's not a Road Traffic Accident. Please can you advise us?