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Unfortunately, this will only continue. Road racing is the most hard core of the hard core. It is an extreme sport, where the consequences of a mistake are pretty intense. We like it, because we respect the guts and skill of the riders. Riders love the challenge and the exhilaration of facing the risk, threading the needle and smoking it. About the only sport to compare would be BASE jumping.
Insurance companies don't give a rats about how cool something is. They look at boring stuff like claims history in the activity and loosely related activities, claims trends in general and some arbitrary projection of risk...that's how they set premiums - or put activities on exclusion.
If you travel, check your travel insurance for overseas motorcycling, skiiing, skydiving, paragliding, BASE jumping, mountain climbing etc. If they're allowed, check if any of them are excluded for organised competition... That's the problem for road racing. The world worships celebrity, and rewards boring.