At first I was of a different point of view and inclined to go along with Ovr and Barrie, but Snowy does have a valid point. It's an SUV and yes some people must go off road in them. So a plastic tank, unprotected, would be a not so pretty sight when ruptured
Skid plate might not have worked, but I'm sure their engineering department could have come up with two options 1 - offroad, 2- highway. No forget that - some dumbo will still take it off road thinking he is superman and can defy the options. Still an enclosure for the tank of some kind would be worthwhile.