Those chat sessions are customer service. I spoke to a claims supervisor. If you are at a race track and a bike is stolen, there would be an investigation with promoter, etc. If you the bike you have there is intended to be raced and once you sign up to race, then ALL coverage is excluded including theft. However, if you are camping at a track, but bike isn't intended to be raced that day or weekend and you are not signed up to race it, then there would be coverage. Technically, the CSR's response is right, however, is there intent to race the bike and once you are signed up to race, again, ALL coverage is excluded including theft from the race track whether the bike is sitting out or locked up in your trailer, van, etc. He stated more than once if claim occurs at a track that there WILL be an investigation.