A golf cart is specifically defined in the Traffic Safety Regulations in s. 2(e) as a "…self-propelled vehicle…" and, by all other accounts, fits the definition of an "automobile" set out in the SK Insurance Act. A golf cart is exempted from registration under the SK Traffic Safety Act, however, so the provisions of the SK Insurance Act do not apply unless it is insured as indicated in the legislation.

Notwithstanding that registration under the SK Traffic Safety Act is not necessary, third party liability insurance, placed at a minimum of $200,000.00, is required if a golf cart is to be operated on a "highway or part of a highway pursuant to a municipal bylaw" that has been approved by Saskatchewan Government Insurance ("SGI").).

Unless there is an accident involving a golf cart with a "motor vehicle" in motion, benefits payable pursuant to Part VIII of the AAIA (the "no fault" provisions) are not available to persons injured if the accident is caused by a golf cart (which is specifically noted as a "prescribed "motor vehicle" pursuant to The Personal Injury Benefits Regulations , c A-35, Reg 3).

For more information, please contact:

Sheila Caston
McKercher LLP
Saskatoon