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Being in the insurance industry I can tell you that almost always any "grey" area of a policy is interepeted in the policyholders favor in the court of law. Also anything your agent tells you can be taken as word. Not that they're right but they are consisdered to be a expert and the court will hold them accountable (they have insurance called errors and omissions to cover them for exactly such a mistake and which is used to pay your claim).
All this being said you'd have to sue your company and agent. Go through all of the hassels involved with that. Probably eaiser to buy the track day insurance unless you're a lawyer.
Insurance company discalimer: Each claim is different and is handled on its own merits.
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