The best way to counter that is to bring up on here time and time again that they have lost your patronage and how their business model is flawed.
Not so, Rob.
Of course I have insurance. A few courses have wanted a form signed to say that I have insurance.
The course's insurance still covers their patrons, irrespective of who owns any particular golf cart.
Most courses allow privately owned carts. It's just some, particularly the more expensive city courses, that think they can drain more income by being restrictive.
I'm sure by making a point of it another 48 times this year they'll come around and see your side of the story.