One member had an engine replaced after getting a gut full of water in it under insurance.
sky is limit.
If you are legally allowed to drive there, then generally you are fully covered. I don't understand the angst on here about it.
There are cheapy insurance companies that you can choose, that exclude such things - problem is we all want to be covered off road, yet some don't think that others are allowed to claim for it if they have somehow contributed to the claim.
I would suggest that the minute you take your vehicle off the black top, you are exposing the vehicle to a Risk of damage, and have elevated your risk of claim higher than the daily driver who never goes off road. I am one of those who had a fairly major accident off road, which ended up a $14k repair job under insurance. I would claim it wasn't my fault, just something that happened.
Some would say I was a d---h--- by the sounds of it.