The policyholder has bought a token that has the same name as DeRace (DERC) but a different SC address and has no relation to the DeRace project.
These types of cases are not insured by inSure Defi community since it is an exploit possibility. Anyone can create a token with the same name and then claim it as a scam event.
You can find information on what type of cases are insured here: https://insuretoken.net/whitepaper.html#faq
Before buying any token, please always check the correct SC address.