It's not a race in that there are no official entry fees, or organisation behind it. But, if you go for the higer cover, you are covered for bike racing.jameso wrote:I used BMC and paid for racing coverage as I had concerns about the level of legal BS in the States as well as the cost of medical care. It's not a high-risk ride but if something does go wrong it's could be animal bite, drunk-driver or face-plant at 11,000ft related so I went for as full cover as I could get, then forgot about it. I'm not sure you'd get far by saying to insurance company legal guys that you weren't racing if they decided to use that point to minimise payments. The TD isn't a race oficially but as far as your actions go, or in reasonable use of the word, it's debateable either way.
Thankfully The BMC have changed their insurance providers, we had issues with them 3 years ago when we had to fly home from Austria when my father died. Previously been medivaced from Uganda when I dislocated my shoulder on a kayaking trip on the White Nile. That was...interesting. First class flights home too - cost = zero.
