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Originally Posted by tysonK
doesn't that sum it up.
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No, the rest of the section says "competition, preparation, or practice" so I think he's right. Dean at least is covered for HPDEs, PDXs, and club track days. Club Trials are of course specifically excluded.
I think the insurance companies have pretty much concluded that non-timed events are no more risky than insuring you for the drive to the track, just as we've all said before.