Your insurance probably covers such an event, but hardly worth claiming as it would result in increased premiums for the next few years, and some insurers not willing to quote if you have a recent claim, I would only claim for a substantial loss.
Anyway even getting a painter in to stain block the water mark and repaint the entire ceiling would not cost your excess of €500.
If you are anyway handy and able it is not a difficult job to do yourself. A tin of stain block and a tin of ceiling emulsion, probably less than €50.