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Motorbike accident and no licence

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Insurance company was... annualtravelinsurance.com

I was inquisitive so I checked...says you need a motorcycle licence from UK, less than 125 and wear a helmet. Your mate is very lucky.
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My mate says he was traveling at 10kph when a child ran out in front of him, he swerved to avoid him/her and broke his collar bone, he paid the family 5k even though he did not hit the child but says he might have hit the mother who pulled the child back, the bike has minor scratches and a scratched mirror. anyway he says he does not have a driving license yet the insurance company have paid out which too me is strange, operation is going ahead, the insurance company have coughed up the 400k so yes a very lucky chappy.

So anybody want to chip and claim insurance companies do everything they can to prevent paying when they are obliged to?

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So anybody want to chip and claim insurance companies do everything they can to prevent paying when they are obliged to?

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