Is anyone else surprised that Budget Direct are supposedly covering this claim? Hats off to them if they are, but I would have thought this type of mass market insurer would have run a million miles from this type of claim. I had a quick scan of their PDS and could not find a limitation like use only on public gazetted roads (maybe that track is such a road) nor any distance or cost restrictions on towing and recovery. I would have thought this claim would have been excluded due to the driver acting in a wilful or reckless manner?