I have always used Suncorp....
I had a great experience with them about 10 years ago when I sunk my 80 series in a river up the Cape....
Absolutely hassle free claim...... they even replaced a winch from another vehicle that helped recover me and burnt out their winch......
They basically asked me what happened....I told them that I drove into the river got hung up on a rock it then rained and flooded the river...... they never questioned it or looked for a reason to knock back the claim..... which im sure they could have had they wanted too....