call the insurance company, ask if the clause refers specifically to professional racing, etc. Sometimes as long as you're racing on an amateur level, not compensated, just for recreation, it doesn't apply. they don't need to know who you are, just call on an anonymous basis. Refer to the plan you're on (i.e. the "Super Deluxe PPO a la mode"), but don't give them your last name or policy number. That's not always easy to do, especially when calling a cliams dept., so call the agent who sold your employer the policy, make him check for you. He gets paid plenty of scratch to answer those kind of questions.