Not 100% sure on this one but I think keith has a point...
Obviously depends on the wording of individual policys but it wouldn't be difficult to argue that a track day is the "pleasure" part of SDP. You're not racing, not testing, not pace making, you're just taking your bike off the public roads purely for pleasure.
If a test case can be presented such as the one mentioned in MCN then the judge would have a hard time turning down your claim. And having your insurance company tell you you're not covered for track days doesn't mean sqaut unless you agree to it - cos if it's not already in the contract then it would have to be agreed as a contractual amendment before it can be enforced.
But saying all that..... I wouldn't be too impressed with anyone making a claim after binning it on a track day because it just contributes to increased premiums. If you take your wheels on a track day there's a hugely increased chance of crashing, and that I feel should be the risk of the individual not the insurers and other policy holders.
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