So my regular insurance company just refused to offer me insurance for a 4x4 because I might take it offroad. They wouldn't even sell me a regular package for on-road usage only. What in the fuck? Now I have less than a day to find a broker and get some insurance from some random company because I might go offroad a couple of times per year... what a joke.

Any tips? Should I just call back and tell them that I won't go offroad? What happens when I do go actually off-road - will my insurance be null and therefore I'm not covered for any perils or accidents?