What's the Best Car Insurance for Off-Road Use in UAE?

After a minor recovery incident last month that scratched my bumper and cracked a fog light, I'm looking at my insurance more carefully. My current insurer (RSA) doesn't cover off-road damage at all — even on designated tracks. Has anyone found an insurer in the UAE that offers: - Off-road coverage (at least for designated areas) - 4x4 club participation coverage - Reasonable premiums on a Nissan Patrol/Land Cruiser I've heard Orient Insurance and Oman Insurance have better 4x4 policies but would love first-hand experience from DO members.