On Wednesday, April 9, 2014 12:26:10 PM UTC-4, wrote:

If you have Costello Insurance, they will tell you that passengers do not touch the controls. Any accident with a passenger that touched the controls may void your insurance whether or not it was caused by the passenger. Beware!

I'm not questioning your statement but the value of that insurance policy is questionable. Someone I know was giving a ride and the adult rider pulled the release at 100 ft on a short runway surrounded by trees. His wife said, 'he has a problem with impulse control'.

Erratic passengers is one of the hazards that the insurance should cover.