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I disagree with the idea of keeping your mouth shut and not disclosing to the insurance company. I would rather be open and up front; giving my money to the insurance company willing to be mature and responsible in regards to my hobbies.
It's not if you crash your car, it is when. It's an expensive thing to be involved in, and when you do the financial math; it'll always point towards beating an old Miata to death. By tracking and autocrossing my BRZ, I'm inherently giving up my insurance during those times.
Anyways, I think a better rule than not speaking up, for insurance in general; is if your policy does not specifically say something is covered; it isn't. If you've dealt with home insurance, you probably have a good idea of what I mean.
I have an anecdotal example. This year things changed and I have to travel for work, so the BRZ is no longer a leisure only vehicle. So I called my insurance agent and made sure the change was clear. Turns out it wasn't, and I was paying less. It raised my covered by a whole $6 to update the policy to include the extended mileage. Much better than crashing out 150 miles from home and getting my claim denied.
imho of course.
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