JGalban via AviationKB.com writes:

If insurance policies were invalidated by poor decision-making, they'd be
worthless.

Not to people who make good decisions, who represent the kind of customers
that insurance companies want.

Drag-racing an ordinary automobile is a poor decision, and crashing during
such an activity may not be covered by insurance in consequence.

Of course, if you're dead, it doesn't matter.