Fire Damage from next door


Hi, just enquiring for a friend,

in that my friends neighbour has had a fire & it has done some damage to her house, “around £450.00 worth”. The neighbour was advised that my friend should claim off her own insurance. Is this correct & what would happen if my friend had no insurance. This could also affect her premiums on renewal. Surely she shouldn’t have to lose out because of somthing that’s not her fault.??

Thanks



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