Outer Limits 4x4 Board

Following on from Jeff's stolen jeep thread, has anyone else had any experience with TCIS in regards to making a claim? I haven't yet but am not looking forward to the day i do.
Having said that, I'm glad I'm insured with them rather than RACV, AAMI etc. I was told by the RACV, when i was insured with them, that they make a judgement on whether it was a reasonable place to be driving. I would suggest that it would be easy to say that no reasonable person would be driving some of the tracks that some of us drive most weekends.
What has been other people's experience?

i was in the niva club here in wa for a while and most of the members were with tcis, a couple of them headed up to cape york for a trip,up around there sumwere one of them wrote the car of 4x4ing.the damn thing was insured for $9000,needles to say it wasnt worth that much!!.in the end they got transported, put and flown back to perth and payed out with no questions asked!!