People are often concerned about whether or not taking their car off-roading will void their insurance. Off-roading has the potential to void your insurance. This may appear frightening, but there’s more to it than “your insurance will be voided.” Off-roading, particularly in a vehicle designed for trail use, such as a Jeep Wrangler, is unlikely to violate your insurance. However, just because off-roading does not void your insurance does not mean that any damage caused by off-roading will be covered. Your insurance will be canceled if you make certain off-road modifications to your vehicle. Because they affect the way your car works, this is the leading cause of voiding insurance.
This seems to make the most sense but I do think it would be nice to have some well defined, easy to understand guidelines as to what the off-road exclusions are?