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Depends on the events too - timed events - you have no chance. HPDE's billed as driver safety and training you do have a chance - although much less these days. I've run numerous events for the Audi Club when I was on the BOD and I've known of at least 3 people who have had their insurance cover their cars. Nothing illegal was done - like saying it happened off track etc. Of course I don't know if their insurance went up anymore than it would for any other at-fault accident.
That being said - if you can't afford to write it off - you should probably get track day insurance.
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