Pic Fails.

[PeeBee]

I don't know the fine print but as far I know it's the same rules apply as if you wreck your car in the high country for example. It's gazetted/designated so you have every right to be there

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I believe there are very few areas in Vic you can legally get onto the beach now - 90 mile beach has tightened up and there used to be a smallish beach down the Otways you could get onto in the late '80's if you were fishing. If its gazetted as legal access, you should be covered, if not, reckon it could be a hard discussion with the insurance company.