Is seasonal coverage available?

Many insurers offer lay-up periods with reduced coverage during off-season storage.

Powersport vehicles, such as motorcycles, jet skis, snowmobiles, and ATVs, often have active and inactive seasons due to weather conditions. During these off-seasons, many insurers provide an option known as lay-up coverage. This type of insurance reduces your premiums while your vehicle is not in use. Instead of carrying full coverage all year long, you can switch to a lay-up policy during these months. This typically includes comprehensive coverage, which protects against events like theft, fire, or vandalism while the vehicle is in storage, but excludes liability or collision coverage since the vehicle isn't being driven or used.

Imagine you own a motorcycle that you mainly ride during the spring and summer. As winter approaches, the weather becomes too harsh for riding. You contact your insurance company and opt for lay-up coverage from November to March. During these months, you're saving money on your insurance premium because your motorcycle is safely stored in your garage and not being used, so there's no need for collision or liability coverage. However, it still has protection against risks like theft or fire.

If you own a powersport vehicle and don't use it during certain months, consider speaking with your insurance provider about seasonal or lay-up coverage options. This can save you money while still protecting your investment. Before switching, ensure you understand what's included in the coverage and whether your vehicle needs to meet specific storage criteria. It's always beneficial to review your coverage options annually to make the most of savings and protection needed for your specific lifestyle and usage patterns.