I guess I am too honest when it comes to dealing with my car insurance. I have always told them that I wheeled my Jeep and have always notified them of my mods. I have been with Geico. I found out today that at the end of my current policy term, I am being non renewed. Turns out the reason is the winch I have put on. Underwriting flagged it and now they are saying adios. The underwriter I talked to said that the winch coupled with my offroading makes me too much of a risk. He says that underwriting randomly looks at policies, and if they see winches in the list of mods...they non renew. There is another fellow over on jeepforum in exactly the same boat as me. The Geico guy also said that if I had an accident offroad, they would cover it, but then it was policy to non renew me once that term finished...at least they would have covered me, and will now until my policy expires in a couple of weeks, but he says if I had an accident off road, that would have also caused me to be non renewed....so, to make a long story short, who are you guys dealing with for insurance, and are they offroad friendly, or are you just acting on good faith and expecting them to cover you without telling them what you do....?