Just going through this process today.

With those that chose 'normal' insurance policies (not 4WD specific) does this also cover you for any off-road activities? i.e. high tide swept your baby away on the beach, that river crossing was a bit deeper than the path you walked, you played roll down the hillside, a croc stole your Patrol up the cape.....

NRMA have worked out cheapest for me at $463/yr for $16K agreed (but not the biggest NRMA fan). AAMI 2nd at $564 (or $662 at $18K agreed). Coles was actually the dearest at $1000


Jeff.