Insurance after a crash motorbike!?

My Son has a motorbike crash last month. The police managed to look at CCTV footage and tell me the crash was not his fault. It was the fault of the motorbike in front that swerved in front of him. Anyway my sons bike was insures 3rd Party With no legal cover The bike was so badly damaged it was going to cost over 2k for me to fix it up but 4k to get it looking new. The bike was brand new 4 months ago. I had nowhere to store it so let the garage keep it for 600 My question is as he was only 3rd party where does the claim lie. The insurance company tells me I have no legal cover and they do not seem to be advising me of what to do. Ive heard nothing from them The bike has 4k outstanding on it as a family member loaned my son the cash, which he still has to pay back. What can I do to get some of the cash back for the bike?

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