The BRCA say that you must use lipos on the BRCA list for 10th scale off road BRCA sanctioned events - this includes nationals and regionals.
That's nothing to do with the insurance, so clubs are not bound by that.
For example there is no list for the micro section and soft case are allowed.
This gets raised every now and again and I'm sure that a quick search will throw up the answer from the BRCA representative (but am in work so can't provide linky)
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