Which of the following is a prohibited use of a vehicle under the insurance policy?

Using a vehicle for racing is considered a prohibited use under an insurance policy because it significantly increases the risk of accidents and damages. Insurance companies generally provide coverage for vehicles when they are used for personal, recreational, or work purposes within standard limits. However, racing is an extreme activity that often leads to higher speeds, competitive scenarios, and elevated likelihood of collisions, which are not typically covered under standard automobile insurance policies.

In contrast, driving with a valid license, carrying passengers, and driving to work are generally acceptable uses of a vehicle as long as they adhere to the terms and conditions of the insurance agreement. These activities do not inherently elevate the risk to the level that would void coverage, making them permissible under most standard auto insurance policies.