Maintaining Motorcycle Insurance During Winter Months

As the winter months approach, many motorcycle owners may need to decide whether to maintain their insurance coverage. While it might seem tempting to save money by canceling your policy during the off-season, several factors should be considered. This article will explore the pros and cons of maintaining motorcycle insurance during winter, helping you make an informed decision.

Pros of Maintaining Insurance

Even during the winter season, keeping your insurance active can offer several benefits:

• Continuous coverage—Maintaining insurance may ensure your motorcycle is protected against financial consequences from risks like theft, vandalism or other unexpected events, even when it’s not in use.

• Avoiding lapses—Canceling your policy can result in a lapse in coverage, which may lead to higher premiums when reinstating insurance. Insurers often view lapses as a sign of increased risk.

• Liability protection—Accidents can still occur even if your motorcycle is in storage. For example, if someone is injured while near or working on your bike, liability coverage can shield you from potential legal and financial consequences.

• Peace of mind—Having active insurance can provide peace of mind, allowing you to focus on other priorities without worrying about potential risks to your motorcycle.

Cons of Maintaining Insurance

While keeping your insurance active during the off-season has benefits, there are potential downsides to consider:

• Cost—The most notable drawback of maintaining coverage is typically the ongoing expense. Paying for insurance when your motorcycle isn’t used might feel like an unnecessary financial burden.

• Limited use—In regions with harsh winters, you might not ride your motorcycle for months. During this time, maintaining insurance can seem redundant since the bike remains idle. However, even unused motorcycles can be susceptible to damage.

Contact Goal Insurance For Help

Goal Insurance is a top choice for reliable and comprehensive motorcycle insurance. We offer competitive rates, exceptional customer service and customizable coverage options to keep you and your motorcycle protected year-round. Contact us today to explore your options and find the perfect policy for your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.