Thousands of bikers cancel their insurance policies whenever the winter season arrives each year. Why, it’s practical—many bike owners will lock away their two-wheeled beauties as the snow covers up the road. It is logically hazardous to ride on a motorcycle right after a frost, with the slippery highway and the strong winds chilling and slowing down any driver. Since you’re putting your bike away, you may be wondering why you’ll need motorcycle insurance in Flat Rock at this time (during the winter).
But the truth is, you need motorcycle insurance at all times of the year, whatever season it is. Even if your motorcycle is locked in a garage over the winter month, your vehicle is still at risk. Thieves are aware that many motorbikes are hidden and unused during the snow season. Hundreds of bikes are stolen every month all over the US. If you have cancelled your motorcycle insurance policy and your bike is stolen, then you cannot make a valid claim.
You may be thinking twice about retaining your motorcycle insurance in Flat Rock when you’re not going to use your bike. There’s a lot of other things to save up on. Fortunately, you can keep your motorcycle insurance and save on it during winter. There are ways to reduce the amount of motorcycle insurance coverage, save money, and still have the essential amount of coverage against theft and fire over the season. Among them are:
- Raising your deductibles. This saves you money, as your risk of damage is very small this season because you would only drive your bike minimally.
- Remove medical coverage when you are not riding. This allows you to keep a few more cash on your pocket as this type of protection is meant for the driver only.
- Reduce coverage. Putting your motorbike in storage means that the only coverage you’ll need is comprehensive.
Remember, it is illegal to ride without insurance. Always remain honest with your insurance provider so that you can maintain a good protection for your bike in case something unexpected happens this winter season.