Many people who love to drive their motorcycles during the warmer months of the year will lock them up in the garage over the winter. While it can be exhilarating to cruise down the road in the open air when it is sunny and mild out, it is not quite as exhilarating when you are being pelted with freezing rain. Because they rarely use their motorcycles during the winter, many people chose to cancel their insurance policies for that time, hoping to save money by doing so.

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This is not quite as practical a decision as it might initially appear. There are drawbacks to completely cancelling your insurance for several months a year. For one thing, just because you are not driving your motorcycle does not mean that it is not still vulnerable to theft or fire. Many thieves know that there are motorcycles sitting in garages during the winter and may seek specifically to steal them. If you own an expensive motorcycle you should consider that, used or not, it needs to be insured the same way all your possessions are insured.

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Another drawback is that you may lose the advantage of no-claims bonuses. No-claims bonuses are rate reductions offered by insurance companies for every year that you go without filing a claim. If you have gone the last decade without filing a claim with your motorcycle insurance then you could be looking at a significant discount in your rates. Not all companies will allow you to transfer no-claims bonuses from a previous insurance period if your policy lapsed in the meantime. Rather than cancelling entirely, consider merely dropping several features of your insurance during the winter months. You can drop any personal injury or collision cover, as well as breakdown cover and similar features. Talk to your insurance company about their specific policies.

 
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