Has anyone tried getting into the Fort with a golf cart without insurance.

[nomorethan8]

Just curious. Wondering if anyone has tried getting into the Fort with a golf cart without insurance and what did Disney do, if anything to resolve the situation?

 

[gottalovepluto]

If anyone did they won’t discuss it here as discussion of violating Disney rules is prohibited.

One would assume if you fail to provide insurance proof the remedy offered to you is a polite but firm request to get your uninsured golf cart off Disney property.

(Just follow the rules and get your insurance.)

 

[Teamubr]

I'm on a number of social media Fort groups and I have seen almost no mention of the new policy since it was implemented. Just people that did have insurance and they described how simple/easy the process was. I'm sure some have shown up without insurance, not knowing the new rule, but I haven't seen any mention of it or what was done. If Disney was smart, they would have an option to purchase a short term policy at check in like you can with a car rental.

j

 

[nomorethan8]

(Just follow the rules and get your insurance.)

I would assume that. Most people would, if they know to get insurance.

Was just curious about if there was anyone who did not know the policy, which I would assume a lot of people do not know, and if a remedy is suggested to people who pull up with a trailer with a golf cart hooked up to there motorhome. Do they make them park the cart in overflow, supply an insurance co, etc.......

And has anyone seen anything on there reservations saying that they would need insurance for their carts? That would suck driving a few hundred miles to find out about something you have been doing for years, is now not allowed.

 

[Poohbear538]

I would assume that. Most people would, if they know to get insurance.

Was just curious about if there was anyone who did not know the policy, which I would assume a lot of people do not know, and if a remedy is suggested to people who pull up with a trailer with a golf cart hooked up to there motorhome. Do they make them park the cart in overflow, supply an insurance co, etc.......

And has anyone seen anything on there reservations saying that they would need insurance for their carts? That would suck driving a few hundred miles to find out about something you have been doing for years, is now not allowed.

We have a reservation in October that we did before the change and received an email right after the change about it.

 

[Teamubr]

We have a reservation in October that we did before the change and received an email right after the change about it.

I'll have to check my email. A number of us will be at the Fort in November. Reservation was made a year ago. I don't remember getting anything about it.

j

 

[Poohbear538]

I'll have to check my email. A number of us will be at the Fort in November. Reservation was made a year ago. I don't remember getting anything about it.

j

Yeah, we made ours as soon as October was open.
It came in May 1st. I’m not sure if it was because of the reservation or because I get all the Disney emails from everywhere.

 

[kskone]

I think insurance is a great thing and should have been enforced years ago. I have seen the way some people drive the carts around the fort not only are they on vacation but so is there brain!

 

[nomorethan8]

I think insurance is a great thing and should have been enforced years ago. I have seen the way some people drive the carts around the fort not only are they on vacation but so is there brain!

I agree.

But just wondering if there is a procedure to the folks that bring it to the Fort and what do they make you do. They're not going to send you home. Just wondering if anyone experienced it.

On a side note. I go on vacation to get away from the litigious nature of the real world. The fact that Disney has had to put in these rules, 50 years after the park opened, is putting more and more real world back into my vacation. Disney might also want to check the cars and trucks and campers and bikes and dogs, all have liability insurance. Where do we stop. IMHO.

 

[StormyCA]

I agree.

But just wondering if there is a procedure to the folks that bring it to the Fort and what do they make you do. They're not going to send you home. Just wondering if anyone experienced it.

On a side note. I go on vacation to get away from the litigious nature of the real world. The fact that Disney has had to put in these rules, 50 years after the park opened, is putting more and more real world back into my vacation. Disney might also want to check the cars and trucks and campers and bikes and dogs, all have liability insurance. Where do we stop. IMHO.

I would assume (and it is just an assumption) that they would either make you leave your cart in the overflow lot or possibly tell you that you can park it at your site but that you are not allowed to drive it anywhere. Since they're putting stickers on carts it'd be pretty apparent if someone decided that the rules didn't apply to them and drove it anyway.

As far as what they'd do if someone was driving an unauthorized cart, they certainly could ask them to leave property. It's in the 'verbiage' somewhere about Disney having the right to ask any guest to leave if they don't obey the rules. But since we know that DisBoarders always obey the rules then there's nothing to worry about from our lot, right?

As far as insurance overkill, Disney can certainly start asking for proof of insurance for anything they want to. I don't have a problem with it and can prove coverage for whatever they want me to. Except maybe the dog, he'll have to get his own policy.

But I expect the reason the GCs are coming under fire is either to find a way to get rid of the offsite rentals or because there have been a sudden spate of GC accidents/incidents. I'd lean a little heavier towards the former.

 

[team bradfield]

My homeowners policy covers my dogs.

 

[happycamper47]

Disney might also want to check the cars and trucks and campers and bikes and dogs, all have liability insurance. Where do we stop. IMHO.

Insurance on cars and trucks is the job of the state they are licensed road vehicles. Most golf carts are not and homeowner's insurance normally only covers them "off road". In Ohio to bring a GC to a State Park it must be registered as a low speed motor vehicle with plates.

 

[nomorethan8]

My homeowners policy covers my dogs

Some people rent. And most don't have homeowners policies.

As far as what they'd do if someone was driving an unauthorized cart, they certainly could ask them to leave property

Agreed. But there going to check for insurance when you pull up with a cart.

I know of several people that would normally not use carts rented from disney and bring their own. They didn't know. And the basic reaction has been, "well that sucks". Point is they didn't know. One had a reservation. Now he is reviewing the reservation.

Most golf carts are not and homeowner's insurance normally only covers them "off road". In Ohio to bring a GC to a State Park it must be registered as a low speed motor vehicle with plates

Where I live, we cant register a golf cart. You can only use it on property. So normally people here rely on the homeowners policy also. To bad Disney can't be considered an off road private property.

 

[happycamper47]

I know of several people that would normally not use carts rented from disney and bring their own. They didn't know. And the basic reaction has been, "well that sucks". Point is they didn't know. One had a reservation. Now he is reviewing the reservation.

But as was posted above, Progressive will cover you for the whole year for around $100. Buying that policy is much much cheaper than renting from DIS. Many people don't realize that if they go to any campground and are on roads with cars they are probably not covered by their homeowners if something happens since they are not "off road". I would read your policy very carefully.

 

[bigdisneydaddy]

Years back when we were able to bring our cart with us I called my agent and told him we were going to use it while traveling and I wanted it covered. I believe it was around $50 yearly but that was over 10 yrs ago. It was a separate rider on my auto.

 

[Jimsig]

But I expect the reason the GCs are coming under fire is either to find a way to get rid of the offsite rentals or because there have been a sudden spate of GC accidents/incidents. I'd lean a little heavier towards the former.

According to Kenny's Tee Time, Disney helped them making sure they were good to go and walked them through the new rules for 3rd parties.

I would think it's probably more of GC accidents etc. Maybe not at the Fort but other places that got Disney's lawyers and insurers attention.