I was riding to my parents place last week when I was accosted by a pack of kangaroos on the 4km stretch of dirt road to the house. Now not being terribly experienced on the dirt a stuffed up and dropped the bike which, being my first has broken my heart. Anyway I was just talking to the bike shop about getting a quote on the repairs for the insurance and he mentioned that insurance sometimes doesn't cover people riding on dirt. I was wondering if anyone could tell me if this will be covered? The bike is insured with swann, obviously comprehensive.