Insurance is pretty boring. If any insurance salesmen are reading this I’m really sorry, but it is; it’s just dull. Off road driving is exciting. Choosing and fitting new accessories for your vehicle is fun. Discussing 4wd insurance is boring. Unfortunately there’s one thing that’s muchworse than discussing insurance. That’s not being able to get off road and enjoy yourself, because you’ve had an accident in your rig, and now you can’t afford to fix it because you didn’t have the right insurance and they refuse to pay out.