When considering Golf Cart Insurance Harbour Island, it's essential to understand that insurance is generally not offered by rental companies in Harbour Island. This is not due to oversight but rather because, in the Bahamas, there is no legal requirement for golf cart rental companies to provide liability or collision insurance, and most insurers do not even underwrite such policies locally for short-term rentals.
As a result, renters are held 100% financially responsible for any damage to the cart, property, or individuals—whether or not they were at fault. This means if you're involved in an accident, you could be responsible for the full cost of repairs or even medical expenses. Dunmore Rentals, for instance, requires a $500 security deposit upfront and mandates that drivers be at least 25 years old with a valid license. Kiplin Rentals charges a $250 deposit and clearly states that renters are liable for all expenses related to accidents or damage. There is no option to purchase additional coverage at the time of rental.
Some travelers look to their personal auto, travel, or credit card insurance for protection. However, most U.S. auto policies do not extend to golf carts, especially outside the country. Travel insurance may include medical coverage or personal liability, but rarely covers vehicle damage unless you’ve purchased a specific rental vehicle add-on. Similarly, credit cards that offer rental car insurance almost never include golf carts, as they are classified separately from automobiles.
If you're concerned about potential costs, your best move is to check with your insurance provider before traveling to see if any supplemental coverage is available or advisable. Until then, drive cautiously, avoid busy roads, and follow all local traffic laws—golf carts are treated like cars in terms of responsibility.
This lack of built-in coverage is something not often highlighted in general Harbour Island Info, but it’s a critical consideration when planning your trip. Most visitors assume golf carts fall under typical travel protections, yet the reality is very different. Knowing the facts beforehand is just as important as choosing the right beach or rental—because Harbour Island Info like this can help you avoid costly surprises. Understanding the reality of Golf Cart Insurance Harbour Island can save you from unexpected liabilities and make your visit more secure and stress-free.