Above: One of our client’s some years ago took their 4x4 Toyota Surf along Muriwai beach thinking that he was driving on hard sand, failed to recognize a specific flat spot of water and accordingly dropped his vehicle into a surf pool. The vehicle not only dropped into the hole but also turned turtle and was accordingly written off. Needless to say the client’s policy under the exclusive Barley Insurances 4WD Off-Road cover was settled for the full value of the vehicle.