Motorcycle owners in the Westerville, OH area need to ensure they have proper coverage, but some mistakenly think that they don’t need to have an active policy during the winter months. Allowing coverage to lapse during the winter removes valuable protection for the motorcycle, even if it’s not being driven. Our agents at Associated Insurance Agencies Inc. can help you learn more about your options and the reasons year-round coverage is important.
Non-riding Risks Can Occur
If the motorcycle isn’t on the road, incidents can still happen. It can be vandalized or stolen. A tree may fall on it. You never know, so continuous coverage provides protection as long as you have comprehensive coverage.
Continuous Coverage
Insurance companies sometimes give discounts to policyholders who maintain continuous coverage. Letting your policy lapse during the colder months could remove those discounts, which would mean higher premiums. Plus, there’s a chance that a warm day will happen, and you won’t be able to ride if you don’t have coverage on the motorcycle.
Complexities of Reinstatement
Restarting insurance coverage after a lapse can be complicated. In some cases, you can’t just start paying the premium on a new policy. You may have to go through the entire process again of having paperwork done, having inspections done, and paying for a higher premium.
As you can tell, it’s crucial to ensure that your motorcycle has coverage, even if you don’t think you’re going to ride it. Contact our knowledgeable agents at Associated Insurance Agencies Inc. to discuss your Westerville, OH motorcycle needs. We’re ready to help you get the coverage you need.
