Elz,
Having worked for an insurance company for over 35 years I have become aware of some 4WD claim refusals. One of the most common 4WD claims refusals was legal tyre sizes. One in particular comes to mind of an older 4WD ( GQ I think ) with 35inch tyres, which was hit from behind at a set of lights by a prime mover. The damage to the 4WD was extensive enough to right it off. This claim was refused because it was considered "an un-roadworthy vehicle, fitted with illegal sized tyres", and therefor should not have been driven on the road.
I far as I remember at that time, after it went to court, the damage claim was never paid on the 4WD and the prime mover's insurance was chasing the 4WD owner for the recovery of the funds they paid out.
My point is this ..... no insurance company is your friend, and if an insurance company do'nt pay out and the whole thing goes to court, if your 4WD is illegal in any way.... you will lose.
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