Also looks can be deceiving, just because the kid is short doesn't mean he's under 12
Seeing my boys playing football, the height variations in the 10-14 age range is huge! I even thought an U13 player was the coach - reckon he'd have got served in a pub ?
Normally 12 is the lowest age for insurance, might have seen one at 11 but couldn't tell you which site that was. Personally I'm waiting for mine to be sensible enough to be let loose with a pew.