if the policy strictly prohibits track driving, then it will be covered.

obviously if he was racing, then it wont be covered.

I know several people that had track damage covered by their insurance company and they were all at a High Performance Driver Education event (aka track school, not a competition).

generally if the event is timed then it's considered racing and insurance wont cover it.

thus autox is not covered :doh: while HPDE is covered.