Motorcycle Insurance for Seasonal Riders: What You Need to Know

Seasonal motorcycle insurance is a practical option for riders who don’t use their bikes year-round or those who store their bikes during the off-season. It offers the flexibility to save money while providing essential coverage during the riding season.

What Is Seasonal Motorcycle Insurance?

Seasonal motorcycle insurance may provide coverage during the months you ride, but it can be paused when your motorcycle is in storage. It’s beneficial for riders in regions with harsh winters or those who only ride during the summer.

This type of policy usually has lower premiums since you’re not paying for coverage when your bike is off the road. The coverage period typically aligns with your riding season, which can be customized based on your needs. This way, your premiums may be lower during the months you don’t ride.

What Does Seasonal Motorcycle Insurance Cover?

Seasonal motorcycle insurance may cover the same risks as a standard policy during the active months. This usually includes the following:

• Liability protection may cover bodily injury and property damage you cause to others.

• Collision coverage may pay for your bike’s repair or replacement costs after a crash.

• Comprehensive coverage may cover fire, theft, vandalism and other damage to your bike that was not caused by a collision.

• Uninsured/underinsured motorist coverage may provide financial support after an accident with an at-fault driver who lacks insurance.

• Optional equipment coverage may cover additional accessories and custom modifications to your bike, such as a unique engine or custom wheels and seats.

• Medical payments coverage may cover ambulance rides and medical treatments for you and your passengers following an accident.

• Personal injury protection may provide additional coverage for accident-related injury expenses for you and your passengers.

Some policies may offer limited coverage when your bike is in storage, such as for theft or damage while parked. Be sure to check with your insurance provider to understand the specifics of your policy.

Get a Quote

Maximize your savings with seasonal motorcycle insurance from Herman Bell Insurance Agency. Our agents can help you build a policy that matches your riding habits. Contact us today for a free quote.

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.