Insurance Coverage Options While Your Motorcycle Is Stored for the Season

When the riding season ends and it’s time to store your motorcycle, it’s crucial to consider your insurance coverage options. Proper insurance can protect your bike from various risks even when it’s not on the road.

Off-season Motorcycle Insurance Recommendations

The following are some key coverage options to consider:

• Comprehensive coverage—Comprehensive coverage is essential for protecting your motorcycle against noncollision-related damage. This can include theft, vandalism, fire and severe weather. Even if your bike is stored in a secure location, these risks still exist. Comprehensive coverage can help ensure that you’re financially protected against unforeseen events.

• Storage insurance—Some insurance companies offer specific storage insurance policies for motorcycles. These policies are designed for bikes that won’t be ridden for an extended period. Storage insurance typically includes comprehensive coverage but may exclude liability and collision coverage since the bike isn’t being used on the road. This can be a cost-effective option if you’re looking to save on premiums during the off-season.

• Liability coverage—While liability coverage is primarily for when you’re riding, maintaining it during storage can be beneficial. Liability coverage can protect you from potential lawsuits if someone gets injured while working on or near your stored motorcycle. Additionally, keeping liability coverage active can prevent a lapse in your insurance history, which could lead to higher premiums when you reactivate full coverage.

• Collision coverage—If you plan to take your bike out for a spin occasionally during the off-season, maintaining collision coverage can be a good idea.

• Uninsured/underinsured motorist coverage—This coverage can protect you financially if an uninsured or underinsured driver hits your motorcycle.

Learn More

Understanding and selecting the right insurance coverage options can help ensure your motorcycle remains protected throughout the off-season, giving you peace of mind until it’s time to ride again. Contact Wood Insurance Agency to discuss your motorcycle insurance needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.