[Dean]

What Scott said. Most policies have specific exclusions for timed, or competitive events. So basically, from some time after you leave your grid space to when you get back after your run, you are not covered.

It is highly unlikely you will hit more than cones on course, but the possibility does exist. Says the man who missed the fence by about 5 feet last year.

Again, depending on how your exclusions read, High performance driving "schools" at the track may be covered, but competing in Time Trials would not be.