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Indemnity insurance for a 12 year old?

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  • Indemnity insurance for a 12 year old?

    Morning all

    This forum looks ideal for finding answers ive yet been unable to on Google.

    We booked a supercar driving experience for our 12 year old and reading the info, when we get there we will be offered indemnity insurance against damage to the vehicle.

    Very little information is offered with this additional purchase but they are stating that the insurance covers the first £5000 of any excess payment covering any damage whatsoever, so not necessarily at fault damage.

    It also states that if the driver does not follow the instructors instructions that the damage waiver is void.

    The whole thing annoys me somewhat, given if you are going to let a 12 year old drive your super car on a track, you are allowing drivers with no competence into the vehicle.

    My question therefore is, is the policy even enforceable?

    If my son follows the instructors instructions to the letter, then how can he be liable for damage caused, given he admittedly has zero experience of driving and they have a member of staff who is meant to be in actual control of the vehicle.

    And if he doesn't follow the instructions then the waiver is unusable.
    Tags: None

  • #2


    Before making any response, do you have a copy of the actual policy?

    Also would like to see the Terms & Conditions of the event booked.
    It is not unusual for the buyer/participant to be liable for the first £5000 of any damage beyond normal wear & tear

    I would be looking to purchase collision protection insurance, as well as personal accident, loss of limb and even death cover, as well as indemnity insurance

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