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Motorcyclists often underestimate the value of insurance in the winter. Canceling your policy should never be an option. The staff at The Smith Insurance Group Inc. in Sandy, UT, can make you aware of the risks should you temporarily cancel your motorcycle insurance policy. Thankfully, there are several types of coverage available to protect your ride.
Lay-Up Motorcycle Insurance
During the winter months, the use of your motorcycle lessens as the roads become too slick for a smooth ride. Many cyclists choose to downgrade their existing policy to a lay-up insurance plan. Some insurance agencies call this coverage motorcycle storage insurance. It protects the bike from theft, damage, vandalism, and other non-comprehensive coverage while in storage. However, you cannot ride your bike during the policy’s lay-up period, as collision and liability coverage is suspended. If you choose to ride, you will will be liable for all damages in an on-road accident.
Seasonal Motorcycle Insurance
Another motorcycle insurance option is purchasing a seasonal policy during the winter months. The coverage allows you to customize the policy to your liking. Usually, the coverage reflects the amount of riding done during the fall and winter months. Riders will remove all liability coverage on the policy if they plan to put their bike in storage for the winter. Once again, if you choose to be inactive, be sure to reinstate all the comprehensive, collision, and liability coverage before getting back on your motorcycle. Seasonal insurance could protect your bike all year long.
Motorcycle insurance is the lifeblood for all riders during the summer months. However, the winter months allow cyclists to downgrade their policy in Sandy, UT, and other parts of the United States. The Smith Insurance Group Inc. staff can provide options that protect your motorcycle while in winter storage. Call and schedule an appointment today.
