nberry:

The US policies are so restrictive, even designated driver education events are not covered if at a track. Insurance companies are not stupid enough to fall for that gimmick.

Watt, your an investment guy and savvy about money. Why would you risk $200,000 just to save $6500 especially if your able to afford the $6500 and it would buy you piece of mind in enjoying tracking your car?yes

Sky and Sun can each afford the 200, as above it's called self insurance, and is a good decision for them, just as Grant's decision suits his circumstance.