Help!

Jacqui4480

My 2 nieces recently moved into rented accommodation. They have only been there 2 months and the flat above them had a burst pipe and flooded their flat. Her bed, mattress and clothes etc have been ruined. This all happened 2 days before Xmas and needless to say nothing got done and they had to move out and stay with me. The tenant/ daughter upstairs said they could claim on her insurance for the contents of their flat as the girls had not got their own.
Now they are saying that their insurance will not cover it because the girls didn't have their own insurance and it is classed as "self risk"?
Can anyone tell me if this is correct? I would have thought they could claim against the upstair insurance as it was her flat that caused the damage? I'm advising them to speak to CAB tomorrow but would like to know as much as I can to help.
Also, her landlord keeps letting himself into the flat, I thought that legally he had to give notice and can not just keep walking in when it suits him? The agency have been no help what so ever and they have had to temporarily move out As the flat is damp and smells.
Any advice appreciated.
Thanx

Quentin

They have been advised correctly.

If they have no insurance cover then unless they can prove negligence by the neighbours then they will have to stump up themselves.

They should ask their ll to stop entering and in future make an appointment.