So long as you didn't out yourself as Driver,
"5. The driver agreed to pay within 28 days but did not; D is liable as the keeper. Despite requests, the PCN is outstanding. "
is fatal as no POFA compliance.
Have you checked your Home Insurance ?
Might be worth speaking to your Insurers to check what cover you have.
Home Insurance may be new for old, whereas the power company only compensate based on current value as old item.