Some of the clauses make a lot of sense.
the ovals thing. When you've seen what damage a truck does to a surface of a park or grass oval when its wet and the truck company gets billed to repair the damage you'll understand why they have the clause about recovering from an oval or park.
The height and dimension thing is to cover bases. I can think of a couple of places that are 2wd vehicle accessible and that I could get most tilt trays into empty but you'd be missing your roof if I tried to come out with your landy on the back of a stock tilt tray (some of the MR low liners that are about now I think youd be ok with, the tray is only 700mm off the road) as they go under limited access bridges that are only 3m tall (your average truck bed is between 900 and 1.2m off the ground.)
IMHO..
The general advice Ive always been given is that if it happened on a gazzeted road or track you're covered. The broad definition of gazetted means it has to be on a publicly available map (digital or dead tree) which includes those cheap and cheery PDFs of national parks.
What you wont be is recovered from those places unless the local operator can safely conduct the recovery. If you;re able to move the vehicle to a place it can be recovered then it will be recovered from there BUT any damage you do attempting the recovery will not be covered.
My interpretation of this (and how it should be handled is)
when you call for an assist you need to provide evidence of the location and the map from which you got your track details and location. If thats valid then that map (or suitable similar information) would be sent by (NRMA/RACV/RACQ/LR Assist/Take your pick of others) to the guy who was actually going to be the local area rep or do the work and he would then (via whatever means of comms and passage of information required) tell you "yep can get you from there" or "nope that spots no good for me but if you can get to (x on a map here) then I can recover you"
The onus should be equally on both parties being yourself and the assisting provider (NRMA/RACV/RACQ/LR Assist/Take your pick of others) that if you were going on say a cape york trip that you would provide your itinerary and basic maps with the planned route and they would send it back with nominated recovery locations that they guarantee you can be picked up from and what parts of what tracks are covered to what level.
Essentially a "Yes you're covered if you break down from here to this water crossing, from that water crossing to this one you're covered but we can not arrange recovery and you are not covered for the actual water crossings or any damage that is directly caused by the water crossing itself or damages that are a progressive failure caused by water ingress for a period of (x) after you have done the crossings."
