Get some quotes, check with the insurance companies and see what your flatmate wants to do. They may not want to lose their no claims bonus so could be keen to pay for the repairs themself rather than go through the insurance company.
You could use this to make them your slave, you know! I'd be laying a real guilt trip on them and using the following lines: "Since you RAN OVER MY MOTORCYCLE I am too upset to cook dinner/clean the toilet/iron my clothes".
If all else fails, put an ad in the paper for a non-blonde flatmate!
Yes, I am pedantic about spelling and grammar so get used to it!
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