It may seem like a prudent move to cancel your motorcycle insurance during the winter, when your bike is off the road and won’t be involved in any accidents, but it’s not. While you could save some money by skipping a few months of premium payments, it won’t be worth it if your insurance does come in handy — and it can, even if your bike is safely stored away.
For one thing, you may decide on a whim to take it out and ride one day. Even the coldest winters have the occasional warm, sunny day, and with the effects of climate change becoming more and more palpable each day, the entire season could be mild enough to warrant using your bike. If that’s the case, or if you need to use it last minute in an emergency, you’re going to want to make sure it’s insured when you do.
Additionally, your bike can still be damaged even while in storage, whether from a winter storm or any other random accident that can happen indoors and out. You’re rarely using insurance for something you saw coming, after all. Finally, there’s always the chance that your motorcycle can be stolen during the winter. Thieves don’t take holidays off, and you may forget to check in on your bike if it’s not stored nearby, making it more susceptible to theft. One of the first things you should do if your motorcycle is stolen is contact your insurance, so canceling it during the winter is not a good idea.
