Most insurances have clause such as:
General exclusions:
Rallies, Competitions, Trials, Racetrack, Circuit or Prepared Course
If any car which We cover is used
– in any rally
– in any competition
– in any trial
– on a racetrack, circuit or a prepared course
We will restrict cover to those legal liabilities for which insurance is
compulsory under the Road Traffic Acts and We will provide no other
cover under this Motor Policy.
We will not apply this limitation in respect of any event organised to
encourage road safety or a treasure hunt in respect of which
– the route does not exceed 100 miles and
– no merit is attached to the competitors’ performance whilst
driving, except in relation to good road behaviour and compliance
with the Highway Code and
– if the event includes driving tests, then the driving area must not
exceed 100 yards square and tests must not be timed