3rd party claim. Never

After reviewing the case Outsurance still say that they are not responsible..They suggest that I must claim the money from the man that skipped the stop street although I have no connection to him.
We had a similar situation about 18 months ago at another premises where a driver insured by Hollard drove through a fence and smashed into a wendy house that was destroyed with all the contents inside. The driver was chased by an unknown vehicle and that is why he made the accident. So it was probably also not his fault. Within a week the claim was settled and paid for in full.
So, be careful with your insurer. They are there to back you when you do have a problem, but with some they will only do so when it suits them.
You are driving down the road and a child, or a dog run over the road. You swerve to miss them and end up crashing your vehicle. The sad news is that outsurance will not pay because it was not your fault. SO you will have to fix it from your own pocket???
The cheapest is not always the best option. remember that you get what you pay for. And in this case the outsurance customer will have to answer in court.

If you buy a BMW and put cheap replica parts in chances are good that the vehicle will leave you stranded late at night in a remote dangerous area. getting the wrong insurance will leave you stranded when you need it most.