How To Approach Golf Cart Accessories and Modifications With Your Insurance Provider

Expert Reviewed by: Amanda Crozier, Product Manager at Foremost

Golf carts are one of the most versatile vehicles rolling around today. Whether you cruise the green, your neighborhood, or even take it off-road, every golf cart owner has a different dream for their silent ride. Many owners decide to add accessories or modifications to their golf cart to fit their specialized needs. From custom seats and sound systems to lift kits or a new paint job, it's crucial that owners document every alteration they make for their insurance provider.

Documenting modifications isn't just about exploring potential protection for customized parts, it also protects you from unwelcome claims surprises. Undeclared modifications can affect a vehicle's risk profile resulting in partial claim payments, claims denials or policy cancellation in severe cases.

It is also important to let your insurer know if modifications include safety equipment, like adding seat belts. The addition of seat belts increases the safety of the vehicle by reducing falls off the unit. This added safety feature may result in a safety equipment discount that could save you money on your insurance.

If you're a golf cart owner, we'd recommend getting in touch with your agent to discuss coverage and understand the insurance implications of the modifications you'd like to make before making changes. As you make changes to the vehicle, keep receipts for parts and service. Then, take clear photos of your customizations.

Note: not all insurers cover customized golf carts and coverage can vary by state.

If you're considering modifying your golf cart and want to know how it will affect your coverage, reach out to your agent for a personalized consultation. Or if you're currently looking for insurance, find a Foremost^® Agent near you now or call us at 888-244-8092.

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