I have an update. My friend has spoken to the instructor. Instructor has nothing in writing but is claiming he mentioned before test and at previous lessons that his insurance doesn’t include wheels and tyres and the learner would take responsibility. But his daughter says this is not true and nothing was mentioned.
Instructor goes on to say if he needs to claim on his insurance the learner’s details would be used as they caused the damage.
He says that this will affect her future insurance mean her insurance as she would need mention this as a previous claim.
This sounds like bullshit to me, can he name her on a claim and impact her driving record? Sounds iffy
Thanks chaps