Well if insurers are silly enough not to check this out before taking out there insurance, well they cannot blame anyone but themselves. The PDS covers what is covered and what is not and if it is silent on an issue then you are covered.
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Many years ago I had a an incident on Fraser Is that damaged my D4. I was nervous about going to RACQ as I worried about them rejecting the "on the beach" incident. The claim was going to be close to $5K.
Fortunately I worked for a large corporation so I chatted to one of the company lawyers that I knew pretty well. He stated "the cops can fine you for any road behavior on Fraser Island because they are gazette roads (speeding, DUI, etc.), so the insurer doesn't have a hope in hell of walking away from the claim".
Called RACQ and didn't have a single issue ... the fact that I'd damaged the car on Fraser Is only generated a "you're not the first" comment. :-)
Yep, there are speed limits and the roads show on maps, so you should be OK.
RACQ told me if it was on a map I was covered.
Not cool at all mate... did you take details or anybody film it?