Recently I watched a Youtube video discussing insurance claims for 4x4ing. The guy was a broker and said all 4x4 offroaders should be aware that not all insurance companies payout if you damage your vehicle while off roading. In the USA only about half of the insurance companies payout the claims.
I checked in with my insurance company and its all good for me to drive on 4x4 tracks, as long as I'm not doing comp/race style things and I drive with a reasonable amount of caution for my vehicle.
I advise others to check in with their insurance company before they go off road.
Cheers,
Tony