I went with Club 4x4. Very good customer service, great accessories coverage (basically anything will be covered provided it's road legal) and off road coverage (covered for anywhere provided you're not trespassing).
From memory it's new vehicle replacement for the first 2 years then market value, came to around $2K with no regular drivers under 35 (regular being more than once a month), $9K of Ineos and aftermarket accessories (so far), $1K of non-listed personal items and $2K of camping equipment (including for when left unattended at a camp site). Vehicle recovery to $1.5K included with options for up to $30K which can be added/removed as needed, e.g. increase it to what you need for the duration of a remote trip then drop it back when you get home, I've heard Canning Stock Route can be up to $25K...