Race car insurance

I sent Hagerty the pic's they requested and stamped a serial # on the chassis Saturday. When I called them with the serial number I asked them to send me a copy of the policy so I could go over it. The lady told me that the policy would be the same as for my collector car but she would send me a copy. I looked at it today and the racing exclusion basicaly says while being prepared for or participating in racing activity. With no real explanation. I called the guy I talked to last and asked for clarification and was put on hold for 5 minutes. He came back and said they won't cover race related accidents, like a fire while refueling or something that happens testing the car. He said they will cover the car any other time. Leaves some gray area that I don't like but I havn't seen where anyone else offers any more so I'm going to take a chance. Hopefully I'll never need it