When your bike is stored away during off-season months, there are risks involved in having no insurance coverage:
Theft: If someone steals your motorcycle, your investment could be lost. Unless your bike is somehow recovered and returned in one piece, you have no recourse without motorcycle insurance.
Fire: If the space your bike is stored in catches fire, you need an active motorcycle policy with *comprehensive coverage to pay to repair or replace your bike.
Snow and ice: Winter weather can cause a significant amount of harm to your garage, shed or carport, which could damage your motorcycle.
No coverage for unseasonably warm days: You may be tempted to hop on your motorcycle for a rare good weather ride during the winter months. If you do not have insurance coverage, you should not be out riding your motorcycle.
Possible price increase: There’s no guarantee your policy’s price will be the same when you need to insure your motorcycle again.
*Comprehensive coverage should be added to all your vehicle policies as an added safety net for accidents involving “acts of nature”, especially if you do not have collision coverage.