my partner is a young 72 whilst helping at a bbq at her sons she stepped down a garden retaining wall onto a flimsy stool used for kids to reach the sink. the stool moved and she fell and broke her wrist badly. they then told us someone else did that two weeks ago. they still haven’t done anything about it. If she claims against his insurance will it affect his premiums, she has sounded them out and they were not keen. she does not want to cause any friction between them and if it will cause bather I know she will not pursue it.