motorcycle in a garage lot with cover on it

Even During Winter Motorcycle Insurance Matters

As temperatures drop and the snow and ice start to roll in, riding season comes to a close. And as you put your motorcycle into offseason storage, the last thing on your mind is probably your insurance policy. But having motorcycle insurance during the winter is like having a warm blanket of protection. Read on to learn why it’s so important to keep your bike covered even when it’s hibernating.

Keeping Your Ride Safe

Your motorcycle seems to be well-protected from the elements in your garage or shed when you store it for the winter. But that doesn’t mean it’s immune from trouble. Accidents can still happen, even when you’re not riding. A garage fire or a tree falling during a winter storm could cause major damage to your bike. An active motorcycle insurance policy with comprehensive coverage may cover the repairs or replacement costs, saving you from a major headache.

Denying Thieves

Believe it or not, motorcycle thieves don’t take winters off. They might see a bike under a winter cover, or even in a shed or garage, as an easy target. But with insurance, you’re prepared. If the unthinkable happens and your motorcycle gets stolen, your policy may help you get back on two wheels sooner rather than later.

Year-Round Protection

Remember, motorcycle insurance is more than just about riding. It’s about safeguarding your investment and your peace of mind. With an active policy, you’ll be ready to roll on the first spring-like day. There’s no need to start calling around to reinstate your policy. Instead, you can hit the road whenever the thermometer allows.  

No Gaps or Lapses

Cancelling your motorcycle insurance for the winter means that you might face coverage gaps when you want to ride again. Some insurance companies view seasonal insurance gaps as a lapse in coverage, which could lead to higher rates when you reinstate your policy. By keeping your insurance active year-round, you avoid these potential complications.

Winter might be a time to hang up your helmet and take a break from riding, but it’s not a break from the unexpected. An active motorcycle insurance policy will protect you in the event of a covered loss, giving you a stress-free winter. So, as you cozy up indoors this winter, remember that having insurance keeps your bike, your finances, and your peace of mind protected. Visit or call us at 833-70-RIDER to learn more about the best way to keep your coverage intact over the winter.

This site and articles contained herein are provided for general informational purposes only and are not a substitute or intended as professional advice. Please be sure to refer to your owner’s manual or consult a mechanic for information specific to your motorcycle. The information contained on this site and articles contained herein are provided on an “as is” basis with no guarantees of completeness, accuracy, usefulness or timeliness and without any warranties of any kind whatsoever, express or implied. Rider Insurance Company and its affiliates (together, “Rider”) assume no responsibility for any errors or omissions in the content of this site and articles contained herein. Any action taken upon this information is strictly at your own risk and Rider will not be liable for any losses or damages in connection with your use of this site and articles. Additional terms and conditions apply and are available at

Plymouth Rock Assurance is a marketing name used by a group of separate companies that write and manage property and casualty insurance in multiple states. Motorcycle insurance in New Jersey and Pennsylvania is underwritten by Rider Insurance Company. Each company is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company.