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Nothing is quite as liberating as riding your motorcycle down the open road. However, when the temperatures drop and the winter weather is in full swing, using your motorcycle becomes impractical. You start examining storage solutions, get a final tuneup on your bike, and prepare to wait out the colder weather. But you have one lingering question: if your bike is in storage for the winter, do you really need to keep your motorcycle insurance?

Though letting your coverage lapse may be tempting, the team at Cundiff & Company Insurance in Somerset, KY, share a few reasons why it’s best to keep your policy active:

  • Weather Is Fickle: While winter usually doesn’t provide riding opportunities, there may be a few unseasonably warm days where you can take your bike out of storage. If you keep your insurance through the off-season, you’ll be protected anytime you hit the road. Without an active insurance policy, you can’t take advantage of those surprisingly sunny days.
  • Motorcycle InsuranceInsurance Covers More than Accidents: Though most motorcycle enthusiasts think of their insurance coverage as protection while they’re on the road, insurance policies cover far more than accidents. They also protect your bike while it’s in storage, reducing your out-of-pocket expenses if it suffers damage during this time. Remember, even the safest storage facilities are not immune to the risks of fire, theft, vandalism, and storms.
  • Cancelling Coverage May Not Save You Money: Accidents happen, and without motorcycle insurance, you’ll have to cover the full cost of any repairs out of pocket. Should your bike be damaged while in the storage unit, your insurance policy will cover the costs of the repairs, saving you money in the long run. If you need to reduce your monthly premiums during the winter, you can increase your deductible while your bike is in storage. Once the weather is better, lower your deductible to your previous amount and hit the road.

Let Cundiff & Company Insurance help you find the best motorcycle insurance policy for your needs, whether you’re a daily commuter or a fair-weather rider. Their agents take pride in helping you protect what’s most valuable. Visit their website for more information on their coverage areas, and call (606) 679-8379 for a no-obligation insurance quote today.

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