New Washing Machine Broken Due to Metal Objects

Three months ago I bought a new washing machine with a one-year warranty. 

Two weeks ago, the tenants contacted me saying it was leaking. 

The BEKO engineer said it was a hole caused by coins. 

They took a photo and said it was up to the insurer to decide. There is no dent on the drum.

Who is liable to sort out this mess financially?

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Tenant Obligations

Landlords may impose reasonable obligations on the tenant that affect their behaviour (including anti-social behaviour) and their visitors through the tenancy agreement. In addition, occupiers of HMOs have specified legal obligations under the Management of HMO regulations referred to above, and every occupier mus