street legal golf cart insurance

Invincible

Invincible

Well-known member
Site Supporter
If i insure a golf cart, does it count as insured experience. Trying to find a loophole to keep a piece of junk insured to claim insurance history like i did with the scooter.

buy the way anyone want a 50 cc scooter. barley any kms. every trip made on it was over 40 kms full throttle.
 
Last edited:
It will count as year history for sure but i wonder how much can you actually save... even if you have 2-3 years of history the premium wont drop as much. for the money you put it that few years, the total sum is probably more expensive than a new policy for a bike that you really want to insure.
 
Last edited:
Do you have pics of this street legal golf cart?
 
jeffjones said:
Do you have pics of this street legal golf cart?
Click to expand...

i saw some 4 or 5 at an auction coming up this week. i would have to add brake lights signals horn ect. what ever ministry wants. i also found out that that model up for auction have a recall on them.
 
elton_t said:
It will count as year history for sure but i wonder how much can you actually save... even if you have 2-3 years of history the premium wont drop as much. for the money you put it that few years, the total sum is probably more expensive than a new policy for a bike that you really want to insure.
Click to expand...

i figure it could be a cheap way to make short runs to the post office and stuff. I also want top put a solar panel on top of it since i can gat panels for a bit over a buck a watt. i want to do they project now that there are other benefits.

only reason i got the scooter was for insurance history. now I have the fz6 so it sits in the garage doing nothing.
 
WarpTiger said:
I meant insurance history classified for a car not a bike.
i figure it could be a cheap way to make short runs to the post office and stuff. I also want top put a solar panel on top of it since i can gat panels for a bit over a buck a watt. i want to do they project now that there are other benefits.

only reason i got the scooter was for insurance history. now I have the fz6 so it sits in the garage doing nothing.
Click to expand...


gggggg
 
hit ignore and i can pretend i didn't hear the discouragement.
 
You should get one of these lol:

Hummer-Golf-Carts.jpg
 
i'm not gangsta enough for that yo. my preferred method of customization is never fixing anything aesthetic.
 
A "golf cart" is not a "low speed vehicle" of the type covered in that report.

A "low speed vehicle" of the type covered in that report is a type-approved vehicle intended for road use, with most of the elements of a proper car built in by the original manufacturer, with the exception of a lot of the crash-protection stuff. Has headlights, taillights, turn signals, mirrors, license plate, etc. Golf carts don't have that and they are NOT approved for road use.

A "low speed vehicle" is to a "car", what an "e-bike" is to a "motorcycle". Functionally very similar, but electric-only and doesn't go as fast.

This is a "low speed vehicle":

http://en.wikipedia.org/wiki/File:NEV-BlueZENN-RSFQ0244.JPG
 
can you swing finding a cheap winter beater? find a cheap car to just get you by (Some $500 cr$p box that keeps you warm if you can't go that route)
 
the 500 dollar **** box costs 6000 to insure because.

try and get a quote for over 25 clean record with no recent experience.


looks like i'm going to have to take some **** paying job that gives you a free work vehicle if i don't want to keep renting my van at 600 a month.
 
Brian P said:
A "golf cart" is not a "low speed vehicle" of the type covered in that report.

A "low speed vehicle" of the type covered in that report is a type-approved vehicle intended for road use, with most of the elements of a proper car built in by the original manufacturer, with the exception of a lot of the crash-protection stuff. Has headlights, taillights, turn signals, mirrors, license plate, etc. Golf carts don't have that and they are NOT approved for road use.

A "low speed vehicle" is to a "car", what an "e-bike" is to a "motorcycle". Functionally very similar, but electric-only and doesn't go as fast.

This is a "low speed vehicle":

http://en.wikipedia.org/wiki/File:NEV-BlueZENN-RSFQ0244.JPG
Click to expand...

this is why you have to add all that stuff and have it inspected to make it road worthy. i'm probably giving up on the idea since most of the golf carts went for over 1500 dollars and then i would have to add safety features. not worth it unless i can get the golf cart cheap to start with.
 
It is not just a matter of "adding all that stuff" and "getting it inspected".

It is a matter of getting your manufacturing organization certified as a motor vehicle manufacturer and jumping through all of the Transport Canada hoops to ensure that your proposed vehicle conforms to all applicable standards, PART of which involves "adding all that stuff" (and a whole bunch more - this doesn't even scratch the surface), such that you, the manufacturer of the motor vehicle, are legally entitled to affix the certification label declaring that the vehicle conforms to Canadian motor vehicle safety standards.

Suffice it to say that this process would cost millions and take years to complete.

The possibility exists of building a one-off "kit car" but you cannot start with an existing vehicle as a basis for doing so - and you end up with a vehicle that most insurance companies won't know what to do with; i.e. you'll be insuring it with Facility, which doesn't satisfy your original objective. You don't see very many kit cars on the roads in Canada ... because the process of getting one legally registered and insured has far too many hurdles that are almost insurmountable.
 
Brian P said:
It is not just a matter of "adding all that stuff" and "getting it inspected".

It is a matter of getting your manufacturing organization certified as a motor vehicle manufacturer and jumping through all of the Transport Canada hoops to ensure that your proposed vehicle conforms to all applicable standards, PART of which involves "adding all that stuff" (and a whole bunch more - this doesn't even scratch the surface), such that you, the manufacturer of the motor vehicle, are legally entitled to affix the certification label declaring that the vehicle conforms to Canadian motor vehicle safety standards.

Suffice it to say that this process would cost millions and take years to complete.

The possibility exists of building a one-off "kit car" but you cannot start with an existing vehicle as a basis for doing so - and you end up with a vehicle that most insurance companies won't know what to do with; i.e. you'll be insuring it with Facility, which doesn't satisfy your original objective. You don't see very many kit cars on the roads in Canada ... because the process of getting one legally registered and insured has far too many hurdles that are almost insurmountable.
Click to expand...

i already figured out its not feasible. you don't need to convince me. i agree with you.
 
You could get listed on a friends policy as additional insured. The financial sense would depend on whether it affected your friends premium. the friend does not have to let you drive the vehicle so the only complication is additional premium.
 
You must log in or register to reply here.
Back
Top Bottom