What Happens to Your Insurance if You Don’t Ride in Winter?

In Texas, many motorcycle owners consider storing their bikes during the colder months. If you’re thinking about parking your motorcycle for the winter, Vela Auto Insurance can help you understand how this seasonal break affects your insurance coverage.

How Winter Storage Impacts Your Insurance

Even if your motorcycle isn’t on the road, your insurance needs don’t disappear. There are ways to adjust your coverage if you won’t be riding for a while. Here’s what you should know:

• Comprehensive coverage can financially protect your bike against various risks while it’s in storage, including fire, theft or severe weather. Many owners maintain comprehensive coverage throughout the winter for this purpose.
• Liability coverage can be reduced or suspended if your motorcycle is not being used. However, removing it entirely could leave you financially unprotected if you decide to take a quick ride or need to move your bike.
• Insurance suspension, also known as a “lay-up,” allows you to temporarily pause certain types of coverage while your motorcycle is off the road. Not all policies include this feature, so be sure to check with our team before making changes.

Steps to Take Before Storing Your Motorcycle

If you plan to store your motorcycle for the winter, consider these steps:

• Contact our team at Vela Auto Insurance to discuss your plans and review your policy.
• Ask about adjusting your coverage to fit your winter storage needs.
• Make sure you maintain any required coverage to avoid penalties or gaps in financial protection.
• Notify us before you put your bike back on the road to reinstate full coverage.

We’re Here to Help

Our team at Vela Auto Insurance is here to guide you through your options for winter bike storage and insurance adjustments. If you have questions about seasonal coverage or would like to update your policy, contact us today.

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.