Liability here is tricky.
If the tree is healthy and falls in a storm, then the owner in theory is NOT liable. If the tree is NOT healthy, then the owner is liable, but the insurer may refuse to indemnify on the grounds that policyholder did not take reasonable precautions and cull the tree.
In this specific case, the claim is for €300, which would go nowhere near legal costs of defending the case. If OP was successful in defending, he would probably still have to pay his own costs. Even in District court, he would need tree surgeon and solicitor and to me, it makes economic sense to pay something to be rid of the case. He should still notify his own insurers of the incident AND the fact that he is paying €XX, lest anything go wrong later on.
I'd be inclined to offer them €100 to go away. I'd also be inclined to get them to sign something to the effect that the payment was in full and final satisfaction of the claim and WITHOUT admission of liability
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