Wife and I rented for many years, and assumed that the golf cart that came with the rental was covered by the landlord's insurance.
Soon found out that most did not have any insurance to cover renters.
We could not find any insurance company to cover our golf cart.
Our holiday insurance had a public liability cover. I inquired about driving the cart under their insurance, they said public liability in event of claim was good, but they would not cover any damage to our cart.
We just self insured for our damage, and luckily survived all those years, despite the best efforts of some to modify our cart bodywork!
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