Yep, that matches exactly! LOL I won't be doing enough track days in the VX to justify getting my insurance through CCI, not at the moment anyway, but (for the OP) I'd never track a car like the VX without insurance, it would only take a small off (not even by you) and you could be faced with a huge bill. You can't just knock the dents out of our little cars.
even with insurance, the excess will pay for quite a lot of parts if you DIY