Cant Be Right Surely?

[ilovemarkb]

this has been posted in Law section too!!!
my step son (student) driving along and a car reversed out causing step son to spin and hit another car. The driver of the reversing car has admitted reliability! (relief)!! My stepsons car was badly damaged so he now has a courtesy car until insurance is sorted. We are utterly shocked that he has received an email today stating that
car
market value £500
Less excess £750
Less remaining insurance premium £519.24
Settlement Figure is -(minus) £769.24

I still cant get my head around this. One day he has a car (fully comp of coarse) a week later he has no car and owes £769. And to add insult to injury he has to give the courtesy car back that his mam has just filled to the brim with petrol

[ToraToraTora]

I don't see why they are saying that he has to pay the negative excess so he should contest that £250 but the remaining premium is due because premiums are annual only, monthly payment is a concession. He can still use the policy on another car though.