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Unread 09-09-2013, 04:41 PM   #1
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Default Insurance questions

2007 Club Car Precedent. 48 volt.

Trying to write a policy.

What would the cost new be for this cart. I estimated about $5500.

Also what is the HP usually? I told her about 5 HP. (I know it doesn't do a wheelie soooo)

Told her I would look it up and get back but don't see a lot on Google, just upgrades.
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Unread 09-09-2013, 04:50 PM   #2
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Default Re: Insurance questions

depends on if you are doing a replacement value, or current market value, HP around 3

A plain jane cart straight off the course can be had for 2k or under
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Unread 09-09-2013, 09:10 PM   #3
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Default Re: Insurance questions

Some companies systems are set up either to show a cost new or a value. This system asks specifically for a cost new and then is set up to either do replacement value or depreciation value.

It really does not need to be exact and I am sure they would put in whatever I tell them but am I around the general ball park at guessing $5500 new?
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Unread 09-10-2013, 07:49 AM   #4
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Default Re: Insurance questions

My neighbor bought a new electric Precedent in 2008. Sticker was about $7K including lights and some minor upgrades like nice hubcaps and aftermarket dash. Configured for golf so no rear seat.
HP is in the 3-4 range I think.
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Unread 09-10-2013, 08:51 AM   #5
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Default Re: Insurance questions

Cool, thanks...you just made my premium go up $3.
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Unread 09-10-2013, 10:10 AM   #6
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Default Re: Insurance questions

Some homeowners policies will cover the cart a lot cheaper than a stand alone policy!!
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Unread 09-10-2013, 10:40 AM   #7
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Default Re: Insurance questions

Great idea. I'll ask when I get her on the phone again today.

I'll also have to see if that would meet the campground liability requirements or if it just covers theft, etc.
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Unread 09-10-2013, 12:17 PM   #8
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Default Re: Insurance questions

should cover both. The liabilty Ins. will extend over from the Homeowners policy.
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Unread 09-10-2013, 01:46 PM   #9
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Default Re: Insurance questions

I asked about the Homeowners coverage and this company does not offer coverage under the Home policy.

I got full coverage however at $67 a year so they do me pretty good usually.
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Unread 10-03-2013, 09:18 PM   #10
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Default Re: Insurance questions

I know I am late on this but what insurance comp. did you use? I was quoted $220 a year.
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