I just checked and even though not off-road, Larapinta Loop is itemized as being at renter's risk and any CDW bought not applicable at the one company I checked. Each rental company has a different list of roads and different policies (some prohibit driving, some charge a fee, and almost all make you liable for all damages). Chipped windscreen can be expensive, for example (I have private travel insurance for that, and have had to use it 3 times in the past decade).