If there was something to claim, I would have thought you claim from your ISP and the ISP chases down the car insurance company for the rebate.Not sure if that's still the case where someone has crashed into the green cabinet though, opposed to a technical fault.
Arguably that's not the ISP fault, and the household should claim against the car insurance of the person who crashed.
As a customer, it isn't your problem why the service is down, that is the ISP problem.
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