Tbh I think BMW should cover track days. However, the risk of something going wrong is higher so they should really charge for this extra risk. As long as the premiums are commensurate with the degree of risk involved is cool. Btw they underwrite the risk via "age" "mileage" and "service history".
At claim date is natural for them to do claim underwriting so check policy details are correct and claim is genuine.
Naturally policyholders want premiums as cheap as possible.
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