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Completely agree coppice - and the potential problem with Vnuk is that it goes further than that.
Motorsport is insured for those sort of risks that cannot legally be excluded. Vnuk (if interpreted absolutely) would require complete third-party insurance. So two cars make contact going into a corner and a wing is damaged - there's a claim! Yes, we're generally a non-contact sport and someone may well be more at fault than another. But insurers won't touch it because it's hard to investigate and there is a greater probability of it happening. That's the potential problem, not insurance against negligence.
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