My 15yr olds been messing on his bike with mates and one of them hit a car - not my kid, the lad didn't own up, pretending it didn't happen!
But what if next time it was my lad and they are caught and the insurance company comes to my door? sounds like it could get expensive and messy.
Any experiences to share or advice on cover for this sort of event? Can't imagine my house ins would cover it a quick look at the policy details only mentions household issues.