Your question appears to have stopped in mid-sentence!
However if you're asking about who pays for the repair, this is possibly relevant:
"The RSA Motability loss and damage insurance policy only covers non cosmetic repairs (those affecting the safe and normal operation of the product). If you opt to repair cosmetic damage this will need to be done at your own cost"
Source:
http://www.motability.co.uk/contact-and-support/faqs/what-happens-if-my-vehicle-needs-repairs
So, if the damage is seen as "affecting the safe and normal operation of the product" it's covered by insurance. Otherwise it's not.