Don't you just love 'em 
Does he work or is he a "student"
Once it is repaired he could work it off by a full valet every week for the next...oooh....err....5 years 
no hes a student at 6th form, little c*nt has to pay it cash!! not going through insurence, and I like your thinking hurdy, about the 5 year valet, although hed just do a sh!t job of that,
for example,
i once paid him a 5er when i had my mk3 cab to wash it!! he starts washing it and drops the sponge, next miniute loads of stones are scraping up and down shreading my paint off!!

usless!!