Golf Cart Insurance

Golf carts seem safe enough and when you are driving on a golf course, in your yard, or just running some errands, insurance might not be in the front of your mind. However, as with any vehicle, golf carts require coverage so you could feel secure when something happens.

Golf Cart Insurance

Why Do You Need Golf Cart Insurance?

Why Do You Need Golf Cart Insurance?

Golf cart accidents can and do happen. While driving a golf cart, you can injure someone, become injured, or damage property, especially when you drive your golf cart on the streets. When such an accident occurs, you will be liable for the cost of repair, replacement, medical bills, and lost wages. Unless you do not mind losing money, it is best to have insurance.

In some states, e.g., Arizona, you are required by law to have at least liability insurance to drive a golf cart on public roads. Check your local legislation to know when you are required to have insurance. Even if it is not mandatory, it does not mean you do not need it. There is always the risk of damaging your vehicle or someone stealing it.

Do Auto and Home Insurance Cover Golf Carts?

Do Auto and Home Insurance Cover Golf Carts?

While home insurance does offer some coverage, it only protects your golf cart on your own property and only to a limited extent. So if you want to drive your golf cart on public roads or take it to a golf course, that coverage will not be sufficient.

Car insurance does not usually cover golf cart accidents. However, it may be possible to increase the coverage under either an auto or home insurance policy by adding an endorsement to the policy.

Additionally, golf cart insurance is sometimes sold as an “off-road vehicle policy”, which is useful if you are planning to drive the golf cart off-road or on-road, but not on the golf course.

Types of Golf Cart Insurance

Types of Golf Cart Insurance

  • Basic golf cart – Used only for driving on a golf course or your personal property. It can be added to your homeowners' insurance with a golf cart endorsement, but for more complete coverage, you need golf cart insurance.
  • Low-speed vehicle (LSV) – The golf cart has been modified to go up to 25 miles per hour. LSV-s can be used for street driving in addition to golf courses, and include seat belts and other safety features. Insurance can be purchased under auto insurance.
  • All-terrain vehicle (ATV) – If the golf cart is modified and used off-road or at the golf course, you might need ATV/UTV insurance.

What Does Golf Cart Insurance Cover?

The most basic golf cart insurance offers the following coverages:

  • Bodily injury liability – If you cause an accident that results in injuries to other involved parties, you will have coverage for their medical costs or loss of income.
  • Property damage liability – If you are considered responsible for an accident, insurance will cover the cost to repair or replace another person's property or vehicle that got damaged in the accident.
  • Collision coverage – Following a collision, irrespective of blame, you will be covered for any damage to your golf cart.
  • Comprehensive coverage – Any damage to your golf cart apart from collision damage will be covered under this policy. This can include theft, fire, vandalism, floods, falling objects, and other natural disasters listed in your policy.

In addition to the standard insurance policy coverages listed above, there are also optional ones. Insurance companies can include some of them as part of their standard insurance policy:

  • Guest passenger liability – Covers any medical expenses of people who were injured while riding in the golf cart as passengers. Does not include the owner’s spouse who is covered under their medical insurance.
  • Uninsured or underinsured motorist coverage – If you get into an accident caused by an uninsured or underinsured driver, you will be covered for the injuries you or a passenger receives as well as for damage to your golf cart.
  • Medical payments – Irrespective of who was at fault, medical payments will cover you and your passengers’ medical bills after an accident.
  • Custom equipment – If you have modified the golf cart with custom parts, insure these for an additional cost.
  • Roadside assistance – If you are planning to drive the vehicle on the roads, consider purchasing roadside assistance. It will cover towing, fuel and fluids delivery, as well as basic repairs.
  • Original equipment manufacturer (OEM) coverage – To ensure your golf cart is adequately repaired with the original parts.

Reducing the Cost of Golf Cart Insurance

There are several factors that influence the cost of your insurance. Knowing them can help you lower your premiums.

  • Vehicle size and cost – The less powerful and cheaper the golf cart, the less you need to spend on its insurance.
  • Driving safely – Your record of accidents and claims determines your risk level in the eyes of the insurance company. Fewer accidents mean you impose less risk, so your premiums will be lower. Accident-free records are most likely to get you a discount.
  • Increase your deductibles – If you increase your deductibles, you will reduce the cost of your premiums. However, in the event of an accident, you need to pay more out-of-pocket.
  • Bundling – If you have home or auto insurance with the same provider, ask for a bundling discount.
  • Safety certificate – If you have completed a driver safety course or joined a qualifying organization, you can ask for discounts.
  • Pay in full – Paying the annual cost upfront will end up being cheaper than paying monthly installments.
  • Store the golf cart safely – Storing the golf cart in a garage or employing a theft recovery device will reduce the cost of insurance.

Do you need to talk through your options with an expert and want to find the policy that best suits your needs? Send us an email or submit a request for a free quote on our website.

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