What Coverage to Keep vs Drop in Winter
| Coverage | Keep in Winter? | Why |
|---|---|---|
| Liability | Drop (if not riding) | No riding = no liability exposure |
| Collision | Drop | Not riding = no accident risk |
| Comprehensive | Keep ✅ | Covers theft, fire, flood, vandalism in storage |
| Medical payments | Drop (if not riding) | Not needed if bike is stored |
| Uninsured motorist | Drop (if not riding) | Not riding = not needed |
How Winter Storage Insurance Works
How Much You Save with Winter Storage Coverage
| Coverage Type | Typical Monthly Cost | Winter Storage (Comp only) | Monthly Saving |
|---|---|---|---|
| Full coverage policy | $85/mo | $25/mo | $60/mo |
| Liability + comp | $65/mo | $25/mo | $40/mo |
| Liability only | $45/mo | $20/mo | $25/mo |
Frequently Asked Questions
Switch to storage coverage when you're certain the bike won't be ridden for at least 30 days. Most insurers require advance notice (a few days) to process the coverage change. Timing it with your policy renewal date simplifies the process — check with your insurer for the most efficient approach.
Yes — if you maintain comprehensive coverage during storage, theft from your garage is covered. This is exactly why you keep comprehensive active year-round even when not riding. Motorcycle theft is not seasonal — bikes are stolen from garages, storage units, and driveways throughout the year.
No — if you've removed liability coverage as part of a winter storage plan, you cannot legally ride on public roads. Comprehensive-only storage coverage provides no liability or collision protection for riding. Reinstate your full coverage before taking the bike out, even for a short test ride. Riding without liability insurance is illegal in all US states.