Custom Golf Carts and Insurance: How Modifications Affect Coverage and Premiums

Golf carts offer a leisurely and convenient way to travel around a property or neighborhood. While these four-wheeled vehicles don’t cost as much as cars, they are still substantial investments. Moreover, if you own a golf cart with aftermarket additions, even a minor ding can be an expensive headache. That’s why it can pay to have sufficient golf cart insurance.

What Is Golf Cart Insurance?

Golf cart insurance is a specialty insurance that can cover damages or injuries that may occur while operating a golf cart. This insurance can cover various situations, such as collisions, property damage and injury liability. Some policies may also cover theft, vandalism and damage from natural disasters.

How Modifications Can Affect Insurance Premiums

Modifying your golf cart can have a significant impact on your insurance premiums. For instance, upgrading the engine to increase the speed of the golf cart can potentially increase the risk of accidents, which may lead to higher premiums. Similarly, adding custom parts or equipment to your golf cart can increase its value, which may also result in higher insurance costs as the potential replacement cost is higher.

However, some modifications can potentially lower your insurance premiums. For example, installing safety features like seat belts or anti-theft devices can reduce the risk of accidents or theft, which may lead to lower insurance costs.

Choosing the Right Golf Cart Insurance

When choosing golf cart insurance, it’s important to consider the specific needs and risks associated with your golf cart. If you use your golf cart frequently or in areas with high traffic, you may want to consider a policy with higher coverage limits. If your golf cart has been modified, make sure your policy covers these modifications.

Additionally, golf carts are often illegal to drive on public roads without modification, which may include increasing the speed and safety features. However, such action may trigger other necessities, such as getting tags for the golf cart and securing additional insurance. If you plan to modify a golf cart, speak with your insurance agent to ensure coverage that satisfies your new situation.

Where Do I Get Golf Cart Insurance?

Ultimately, golf cart insurance is essential for any golf cart owner, but it’s especially vital for those with customized golf carts. It can provide financial protection against a variety of risks, allowing you to enjoy your golf cart with peace of mind.

The Stillman Insurance Group is here to answer all your questions about golf cart insurance. Contact us today to find the right policy at the right price.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.