The Quick answer is
NO.
Cars, Boats, and Airplanes all work on different frequencies. So there are no worries if you have a Car Club next to an Aero Club (that's why they did it!
)
Do NOT try to amalgamate them into one group it'll just cause problems when you get a cross over and start shooting down AC with your kid's car system...[:@][:'(]
As for insurance - don't know - but I doubt it. Not too many out of control RC cars make it over the fence to hit the neighbours house
.
That being said - go over to the RC Car site and ask them, they could have a different take on things. [8D]