Winter riding insurance differences

Why You Shouldn’t Cancel Motorcycle Insurance During Winter

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By Cyndy Lane: Traveler, Blogger, Writer, Loves to write about personal travel experiences

If you are the proud owner and rider of a motorcycle, you will know how important it is to have insurance coverage in place. Insurance provides protection against a range of incidents such as accidents, theft, fire, damage, and third-party liability in the event of an accident. There are various different levels of motorcycle insurance you can consider, so you should be able to find the ideal one for your needs.

Once you have your cover in place, you can look forward to peace of mind and protection when you hit the road on your motorcycle during the summer. Of course, in the winter, the roads are often not safe enough depending on where you live, so you may decide to store your bike during the winter months and use other methods of transportation. If you do this, you may also be tempted to cancel your insurance cover during the months you are not using the motorcycle, but this could prove to be a mistake. In this article, we will look at some of the key reasons why you should keep your motorcycle insurance active, even during the winter when you are not riding it.

What Are the Reasons?

We all want to save money where we can, which is why some riders decide to cancel their motorcycle insurance when they are not actually riding their motorbike for an extended period. However, there are various reasons why you should think twice before you do this. Some of these include:

You May Face Fees and Penalties

When you take out insurance coverage, it is designed to cover you for the period of one year, at which point you can renew or go elsewhere for coverage. However, if you decide to cancel partway through the year because you will not be using your motorcycle, you could face penalties and early termination fees, and these can be very costly. So, it is well worth considering whether you will be better off keeping the coverage in place rather than being hit with huge financial penalties.

You Will Lose Valuable Protection

As we know, insurance coverage protects us in the event of damage or injuries caused during accidents while on the road. However, it also covers you for problems that could occur when you are not on the road such as the theft of your motorcycle or fire damage. If you cancel your insurance cover, you will lose this protection. So, if something happens to your motorcycle during the months you are not riding it, you will have no protective cover in place.

You Will Be Unable to Ride Your Bike

While you may think that you will not ride your motorcycle at all during the winter months, you never know when the odd day of decent weather might come along. If and when this does happen, you may want to take to the road on your motorcycle. However, if you have cancelled your insurance cover, you won’t be able to do this. So, it is worth keeping your insurance cover active so that you can still ride your motorcycle in winter if you are able to.

What Can You Do?

So, what can you do in order to continue to enjoy protection? Well, it is worth noting that there are some insurance providers that offer lay-up insurance plans. These plans make things far easier for you, as you can benefit from reduced costs when your motorcycle is not being used for an extended period but you will still be protected when it comes to things such as fire damage or theft of your bike. So, you can look forward to continued insurance cover even if you will not be riding your bike and do not need liability coverage. There are also some lay-up policies that do allow for occasional riding of your bike, such as when the weather take a turn for the better. You can go online to get a competitive motorcycle insurance quote, which will make it easier for find cover that fits in with your budget.

If you want to enjoy continued protection rather than cancelling your insurance plan altogether during winter, it is well worth checking with your provider – or another provider – whether they offer this type of plan. This is something that will provide you with much greater flexibility when it comes to your insurance coverage and means that you are not left completely unprotected during the winter.

Motorcycles do not come cheap, and the last thing you want is for your expensive dream machine to be at risk. By making sure you keep some level of cover in place during the winter months, you get to benefit from far greater peace of mind as well as valuable protection. 

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