Do you insure before go cart mode?

[nick7405]

Feel silly asking but once I get the right driveshaft adapter car is hitting the street.

Do you insure it before go carting? Curious on what people are doing

[RoadRacer]

Feel silly asking but once I get the right driveshaft adapter car is hitting the street.

Do you insure it before go carting? Curious on what people are doing

No, I'm not doing that until I start the registration process.

[GoDadGo]

Nick,

Like many members, I waited until the car got inspected and titled.
State Farm wouldn't insure it until it was "Road Worthy & Street Legal" so I got nervous each hurricane season.
I'm sure there are other companies that "May" allow you to insure it against theft or fire, but I didn't go down that path.

Good Luck With Your Beast Because 427 Cubes Will Create The Monster That You Seek!

Steve

[nick7405]

Awesome, thanks for the replies as always.

Thanks Steve, it'll definitely be different from anything else I've built so pretty excited.

[FLPBFoot]

FWIW

Something to consider... Your homeowners insurance will only cover a certain amount of "Car Parts" in your garage. Since your car is not registered they will call everything associated with the kit "car parts". Price of the kit, drive train etc could be $30,000 or more. Many Insurance companies limit coverage of "car parts" at $1,000. You have a major loss if something bad happens, god forbid.

My agent recommended I get insurance ASAP. I got it the week the kit was delivered and then upped the amount once BP delivered the engine and trans. He basically called it "build insurance". I think it was $250 or $300. Cheap for what the alternative could be.

My 2 cents.

Steve

[edwardb]

Two different questions and both were answered I think. If you're asking whether the build should be insured while being built, yes you'll likely need something as most homeowners policies would exclude it. A question for your insurance agent. Or you could leave it uninusured so basically be self-insured meaning you'd personally absorb the loss should something happen. If you're asking about typical automotive insurance (collision, comprehensive, etc.) to cover while driving as a go kart, good luck with that. Since typically you're not titled or licensed and no VIN yet, no automotive insurance I've ever been involved with would write a policy. Again check with your agent. But doubt you'll be able to cover anything and you're driving at your own risk.

Which brings me to an editorial comment. Take it easy! I've go-karted every one of my builds. But just putted up and down the street in my sub and didn't get beyond 2nd gear. It's nice to see everything running and working. Also a nice but limited test of steering, braking, etc. And it's very exciting to see the thing moving under it's own power after usually a lot of effort and work. Kind of motivates to push it toward completion. But it's also very risky should there be any kind of incident and in most cases illegal. I see guys driving at full on speeds with other traffic, playing fast and loose with the accelerator, sometimes without bolted down seats or seat belts. My conservative safety radar is on high alert. Please take it easy. The time will come when you can drive it legally and take your time getting used to it and respecting what you have. Stepping off soapbox.

[wareaglescott]

Great point brought up by Paul. If you have any sort of incident in the thing as a non registered go cart that you think you would need insurance for the other party is going to have a very easy case to sue the heck out of you. Go cart at your own risk. With that being said I did about 80 miles in my go cart without ever leaving my neighborhood or getting above slow speeds.

[GoDadGo]

I see guys playing fast and loose with the accelerator, sometimes without bolted down seats or seat belts.

Guilty As Charged Sir Paul; Definitely Guilty As Charged!

https://youtu.be/PCngiKoopkA

[Papa]

Paul is spot on with his reply. I insured my build-in-progress, but there is no liability or collision coverage that you'll get until the car is road legal. Thankfully, my neighborhood is rural and had plenty of space to go-kart. Had something gone wrong, my insurance wouldn't have done a thing about it. I also carry an umbrella policy that might have covered me, but I never asked and wouldn't automatically assume it would. Go-kart at your own risk and be careful!

[nick7405]

Thanks guys. I'm in portsmouth nh and not many neighborhoods and I'm on a main road so just little scared. Nonetheless thanks for the replies everybody.

[Alan_C]

Contact Robbin at Midwest Classics Insurance. He understands insuring Factory Fives. He insured my FF during the build and after once the car was registered. He is supplying insurance now for my Mustang restomod in progress.

Robbin R. Terry, CIC
POB 229, 110 So 5th Street
Auburn, IL 62615
888.271.4020 (phone)
217.438.3317 (fax)
Office Hours 8:00-4:30 CST Mon-Fri
www.midwestclassicinsurance.com

[Fman]

Feel silly asking but once I get the right driveshaft adapter car is hitting the street.

Do you insure it before go carting? Curious on what people are doing

I did this, figured why chance something happening while car is in your shop, towing or while the car is at the body shop. I have about 20 miles on my go-kart but drive around a rural neighborhood with extreme caution. I don't think I have gone over 30 mph. I also used Robbin at Midwest who has been great to work with.

[nick7405]

Contact Robbin at Midwest Classics Insurance. He understands insuring Factory Fives. He insured my FF during the build and after once the car was registered. He is supplying insurance now for my Mustang restomod in progress.

Robbin R. Terry, CIC
POB 229, 110 So 5th Street
Auburn, IL 62615
888.271.4020 (phone)
217.438.3317 (fax)
Office Hours 8:00-4:30 CST Mon-Fri
www.midwestclassicinsurance.com

Thanks, ill be giving him a call

[nick7405]

I did this, figured why chance something happening while car is in your shop, towing or while the car is at the body shop. I have about 20 miles on my go-kart but drive around a rural neighborhood with extreme caution. I don't think I have gone over 30 mph. I also used Robbin at Midwest who has been great to work with.

How do you like your wheels powder coated? I'm debating on powdercoating mine vs buying all black. Also how do you like pro floso far?

[Fman]

How do you like your wheels powder coated? I'm debating on powdercoating mine vs buying all black. Also how do you like pro floso far?

So far wheels have been fine I had them done at a local powder coater. However, keep in mind the black will show scratches more than the aluminum so you have to be careful cleaning them.

The Pro Flo 4 up to this point has been running good but I only have 20 miles on the car in go-kart. I ended up going PF4 because I wanted true multi port EFI vs other competitors that only offer TBI. I also like how the ECM is mounted remote behind the firewall away from heat. If you price out the PF4 vs other kits it is really about the same costs considering PF4 comes with intake manifold and distributor. The PF4 also allows you to adjust base/advanced timing on the tablet which is a nice feature. If you go PF4 I would recommend the tablet it is nice to have and connects via bluetooth. I did have to contact Edelbrock for help setting my IAC % and they were good to work with, called me back within one hour.

[BEAR-AvHistory]

Never go-carted it.

[RBachman]

Guilty As Charged Sir Paul; Definitely Guilty As Charged!

https://youtu.be/PCngiKoopkA

Same here, and it doesn't sound safe, but if you hold on real tight only your wife falls out. LOL :D

[RBachman]

I'm with USAA for most of my stuff including cars and here's what they told me.

While the "kit" is still a kit, it is insured under personal property. If you can drive it, it's no longer a kit. It's morphed into a car, and personal property type insurance may no longer be applicable. HOWEVER, read through your home owners insurance contract, and then contact your agent for clarification. Also contact your auto insurance agent. Your first few drives are for testing, inspecting, trouble shooting, etc.. You are hopping into an unproven race car and playing test pilot. Things can go wrong. Protect your investment and yourself.

[legend42]

Be sure to carry a fire extinguisher when go carting- just in case:0

[Midwest Classic Ins]

Just thought I would pop on here and give you a couple of reasons you should look at insuring these right out of the box so to speak.

1. No liability coverage if someone helping you gets hurt
2. No coverage on the vehicle itself if there is a loss to it.

Most homeowner policies have an exclusion for anything that can be licensed for road use. A FFR kit can be licensed for road use and that is the intent. Sure you have to have it built to get it on the road and probably licensed but it can be license so there is an exclusion that would mean if you have someone help you with working on the car and they get hurt you could be out of luck. I lost a friend that was pushing out from under his truck and it rolled off the jack stands crushing him. It happens and you need to consider it. The other thing is the kit will probably cost you about $20,000-25,000 to purchase and if you have a fire, tornado, theft, or even a ceiling collapse at garage you could be out a lot of cash!!!! I am sure your spouse will not be real excited that you want to go out and spend that money again. Before someone says I have a personal umbrella that will cover it, that's true but your umbrella requires you to have an underlying limit of coverage generally in the amount of about $250,000/500,000. So if that person gets hurt helping you, you would have to cover the first $250,000. Oh and your umbrella doesn't cover the damage to the car if it is hurt by a fire, tornado, or stolen as it does not cover physical damage.

We have been able to write a policy for liability and comprehensive coverage that is very inexpensive and in most cases about $200 a year or less. When you get to the go cart state we then add the collision coverage to the policy.

Hope this gives you all some help on this question and if any questions please do not hesitate in contacting me.

Robbin
Midwest Classic Insurance
robbin@midwestclassicins.com
888-271-4000