However, the main characteristic of this policy is that it won’t cover the months you choose to forgo insurance.Coverage that may be included during your policy period:Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.Opting for seasonal coverage could save money and prevent waste since you’re not paying for motorcycle insurance all year long. Make sure you speak to your.If your coverage was cancelled and someone was injured on your property, you would be responsible for their medical expenses. It’s not ideal for saving money, but could help you stick with your current preferred insurer and keep any perks like a loyalty discount, claims-free bonus or accident forgiveness.Another option is to cancel your policy for the winter. Jackie calls her current insurance company to see whether it offers lay-up policies.She discovers that it doesn’t have an official seasonal policy, but the company agrees to reduce her coverage during the winter months. Pays for expenses related to bodily injuries or vehicle damage inflicted on another driver. Collision. Please reach us by phone or email – by contacting your.As you prepare to move your seasonal ‘toys’, including your motorcycle, boat or recreational vehicle (RV), into storage over the winter, what should you do with your insurance?Cancelling your insurance in the off-season does not necessarily mean you will save money. A certain level of motorcycle insurance coverage is required by each province. Learn.Seasonal motorcycle insurance provides coverage for the seasons you ride in the most — spring, summer and fall. We may also receive compensation if you click on certain links posted on our site.Optional, only if you want us to follow up with you.Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Keep in mind, though, that canceling a 12-month policy early may not provide the same savings. And it reduces your coverage and your premium when winter comes around. Usually, spring, summer and fall will provide full protection for the coverage you choose to purchase.However, during the off season, your coverage will be suspended or reduced. Insurance companies look at how often you ride your motorcycle as one factor for determining your rate. Before making any changes to your policy or to learn more about the payment and policy … The idea was to insure motorcycles, and that has remained our focus ever since. Compare seasonal, lay-up, temporary or motorcycle storage policies.Different companies handle seasonal motorcycle insurance in different ways.For example, many northern companies offer motorcycle lay-up policies, in which all coverage except comprehensive is suspended during winter months — which covers your bike if, say, a tree falls on your garage. Note that comprehensive coverage often remains intact during this time. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. The reduced policy will provide Jackie with minimal liability limits and higher deductibles on all other added coverage. This means that the premium you pay for insurance is based on the time frame you would normally use a seasonal vehicle; however your coverage is year-round. Liability Protects you if you are in an accident where you are at fault and you are held liable for the injury to or death of other people. In this case, you’ll likely need to speak with a representative to work out the situation.Once you’ve purchased a seasonal motorcycle policy, you can use your motorcycle under your policy’s protection during the seasons stated in your policy.