off topic a little, but a bit of insurance (useless?) info:

I know that the likes of NRMA, Suncorp, ANZ etc wont cover you even if
you put a tyre on to a dirt road. (Dirt road being a track, not a gravel
road.) They hate under 25's, and they hate 4wd's, and they all
especially hate a 23 year old driving a lift'd soft-top'd turbo'd 4wd.

Seven years later...

After being ditched by TCIS last year, it took me around a week and 15
to 20 phone calls to find a mob who'd cover a soft top vehicle
_anywhere_ except on a competition course. Finally got on to a bloke who
owned the same rare-ish soft top vehicle as mine and he got me on to a
mob in Brisbane. This mob (Insurance Advisernet) will cover a vehicle
that is written off/destroyed or stolen "anywhere on a map". So that
couts the moon out of the question. "Anywhere" is on or off road. I
asked their definition of "off road". Their reply: Anywhere, track or no
track, road or no road, scrub bashing at its finest, and even driving to
a compeition event in a competition vehicle. But actual competition work
is out of the question, which is understandable. And got all of the
above in writing, signed and co-signed.

Think DGA insurance (ex ARB insurance?) will also cover the same, or
close to it, but they were twice the price and ditched even quicker.

If you've got a standard production vehicle, (ie no Hilatroveruiser
[hilux/patrol/rover/cruiser hybrid), try TCIS. They usually cover
reasonably well for normal people who have normal 4wd's. (I call them
boring!. Go the hybrids!).