Ah, yes, but - does it include or exclude Rallies, Shows and Events?
I believe that anyone with a KGM Specialist Vehicle Policy, as offered by some MV specialist insurers (remember AC Miles? :-)), is covered for 'Liabiliy to others' to the tune of £20m (reduces to £5m for vehicle over 5 tonnes).
With regard to 'Rallies, Shows and Events', participation in these is specifically included under the above KGM insurance (excluding racing, pace making, speed testing, time trials, hire or reward).
Quite what the situation is with little Johnny hitting his head on your bumper I don't know. The only issue I can imagine impacting on the owner would be if he tripped over something you left on the ground, or stumbled over the ruts made by your vehicle getting it into position. Unless you consider the rut thing should perhaps be covered by the event organiser? :coffee: