Club 4x4 might still suit some people for their 4x4 insurance.
I you were doing some very extened / remote driving in a prticular year, it might be worth it just for the optional recovery cover, where you pay an extra $200 or $400 for additional $15k or $30k recovery fees (respectively).
There is an included $1500 recovery cover on the standard policy too, which I'm pretty sure no other insurance company will provide for mech breakdown.
I recall in one forum thread where Kalen (?) stated, words to the effect, their new clause on deeper water crossing etc will still cover if you have not just bolted into a river or whatever without due dilligance, walking it or using a stick etc to check depth.
Not sure exactly how this would be possible to assess, so maybe their water clauses need to be very carefully checked and questions asked, get it in writing !!
Have never been with Club 4x4, but have read several forums of late where they are getting a lot less love than in the early years of their operation.
I think they are coming to realise covering such a high risk, specific field of insurance is not very profitable !
I've been with Alliance the past few years, previously a couple of others, but yes all will cover anywhere as long as you are legally entitled to be there.
Have only had one insurance claim in nearly 40 years driving (2 years ago wiht Alliance, and no a problem with claim process), that was when a huge male Red kanga hit me on Googs track while I was driving just 25 - 30 km/hr or so !!
I needed a door shell complete, amazing the damage the mass of this animal did, he was probably going faster than me.
Looked in LH rearview mirror, and would you believe he just got up, shook his head off, and bolted !! Did a runner.