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Winterize Your Motorcycle Insurance Policy & Your Bike

Should you reduce or cancel coverage?

By Timberlee Tamraz Grove


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As the seasons begin to change, every rider in northern climates begins planning what to do with his or her motorcycle during the winter months. Actually, as experienced riders know, this is a dual job: doing some kind of mechanical prep for sitting out the snowy months, and thinking about whether to keep the motorcycle fully insured during those non-riding months.

Part One: Winterize Your Motorcycle
"Winter" has an entirely different meaning if you're spending it in northern Minnesota compared to a more mild climate state like Tennessee (not to mention states like Arizona or Florida who barely have the word "winter" in their vocabularies). In Tennessee and other relatively mild locations, you're likely to ride your bike from time to time, weather permitting. But in truly arctic states like Minnesota, you may not get the chance for several months.

Winterize Insurance Policy snowy road
How should your coverage change when winter sets in?

Advice on what to do to "hibernate" your ride in the colder climates varies from the extreme to the casual. Conservatively, most winterizing lists include the following:

Winterize Insurance Policy motorcycle cover
• If your bike has a carburetor, drain it.

• Add stabilizer to the gas tank and fill it with gas.

• Change the oil (whether it's due for a change or not) and do a general all-around lubrication. Don't forget to lube and adjust the drive chain (if your bike has one).

• Change and top off all other fluids (brake and clutch fluids, antifreeze if the bike is liquid-cooled, etc.).

• If you're storing the bike for an extended time, remove the plugs and squirt oil into the cylinders to lubricate them. Spin the motor a bit using the starter to distribute the oil, then replace the plugs.

• Wash the bike thoroughly and remove bugs or road tar. Also polish all chrome and aluminum, and clean and treat any leather or vinyl surfaces.

• Remove and store the battery. While you're at it, clean the wires and terminals as well and top off the cells if necessary.

• Connect the battery to a trickle charger for at least eight hours a month. A battery tender can automatically take care of this, and monitor the battery's status as well.

• Stuff some steel wool into the exhaust pipe to keep out rodents and other small wildlife.

• Check tire pressures and park the bike on pieces of carpet or wood to keep the rubber off the cold concrete floor during the long period of parking. Better yet, park the bike on a stand that keeps its weight off the tires.

• Cover the bike with a canvas tarp, cotton sheet or other breathable cover that will keep the dust off but not promote moisture condensation.

• Store the machine indoors, away from windows.

For more information on winterizing your motorcycle, click here for WRN's article on the subject.

An alternative to the above list is to have your dealer perform a winterizing service and store your bike for you until spring. If you're conscientious about maintenance, you're probably already providing most of the sensible care and preventive care anyway.

Part Two: Winterize Your Motorcycle Insurance Policy 
It may seem like a smart idea. After all, for a good quarter or third of the year, your motorcycle is out of service, stored safe and sound in your garage, right? So, in theory, cancelling your insurance during the winter months could save you some money. However, when you really look at the whole picture, it starts to sound like a really bad idea.

For one thing, there's sure to be that glorious January day when the temp suddenly rises and sun shines bright, and you start feeling the powerful temptation to hop on your bike and take it out for a ride. If you cancelled your insurance for the winter, you and your bike would not be insured for this ride. This might seem like a chance worth taking (after all, it's such a nice day!), but keep in mind that you face several accident risks that are worse during the winter than in warm weather months:

You're probably at greater risk of laying the bike down during the winter than in the summer because of all the salt and gravel on the roads.

Winterize Insurance Policy snowy mountains
Make sure you're covered for those balmy winter days.


Despite a day being bright and sunny, roads can still be icy. During one recent winter, a Markel American policyholder hit a patch of ice, lost control, slid off the roadway, and fell down a 50-foot cliff.

Wild animals, like deer, elk and moose, tend to be more active during hunting season/winter months, so you stand a greater chance of hitting one, or swerving to avoid an animal, losing control and crashing.

Another risk is the potential of physical damage to the bike while it is parked "safe and sound" in storage. Every year, Markel American gets damage claims on motorcycles where, even though they were safely stored for the winter, something happened to damage their bike. The "comprehensive" portion of your policy covers this kind of incident, another good reason not to cancel your insurance during the winter.

Some of these claims will make you laugh out loud… and cry:
• Drywall work was being done in the garage where the bike was stored, so it was moved outside. Because the garage was being heated for the work, snow and ice on the roof melted loose, slid off, landed on the motorcycle causing $2,500 in damages.

• A malfunctioning propane heater set fire to house and garage, burning everything in the garage including the motorcycle. It was a total loss valued at $12,500. 

• An owner took his motorcycle to a shop for maintenance and winterizing. While it was parked outside the shop, it was vandalized to the tune of $2,890 in damages.

• The custom motorcycle was parked safe and sound in the house for the winter. However, a fire started in the kitchen and burned the house — along with the motorcycle — to the ground. Not so surprisingly, the motorcycle was a total loss, valued at $21,250.

• The motorcycle was being kept in a storage shed for the winter. However, after a big snowfall, the shed roof collapsed onto the motorcycle, causing $8,900 in damages.

 

• While the motorcycle was stored for the winter, rodents chewed the seat and electrical wiring, and made a nest between the frame and engine causing $1,700 in damages.

• A snowplow piled snow onto the top of the motorcycle when it was parked, causing collision damage when it tipped over. Damage to the handlebars, tank and chrome came to $3,400.

There are some other policy implications to consider when you think about "saving money" by cancelling your coverage for the winter. Remember that great "renewal discount" you got when you established your policy? You can kiss that goodbye when you re-start your coverage in the spring and get the same rate as a brand new customer -- even though you may have been with your insurance company for several years. This means that by cancelling your policy in the winter to "save money" you may actually be costing yourself money.

The savings you're getting through "diminishing deductibles" would probably be lost as well. This feature offered by some insurance companies, including Markel American, means that for each consecutive year you are "accident free," your deductible decreases by 25 percent, bringing it down to $0 after four years. If you were to cancel your policy during the winter, you are therefore bringing an end to your consecutive "accident free" years, and would have to start from scratch when you start up your policy again in spring.

Should you choose insurance that offers a winter "lay up?"
Some insurance companies advertise residents of the northern regions a "discounted" policy that provides for a "lay up" period during the winter months when the bike won't be ridden. During the lay-up period, coverage is reduced automatically to comprehensive only -- protection against theft and damage that might occur during storage -- providing a perceived overall savings. The implication is that policies without the lay up feature would cost you more. Not necessarily true. You may already be getting this kind of savings.

And besides, you may not be covered should you take that ride on one of those warm, sunny January days. Rules and policies vary for each insurance carrier, so if you have this kind of policy, be sure you know the answer before you pull off the cover and roll your ride out into your driveway.

Maybe your insurance already has a winter adjustment "built in."
Other companies factor your geographical location into your rates, giving you built-in savings if you live in a wintry zone. For example, Markel American knows that a motorcycle owner in Minnesota will rarely be riding from November to March, and applies this information when calculating the annual premium. Meanwhile, the bike is fully covered for the anything bad that might happen, as well as for that bright, sunny January day.

By contrast, a rider with the exact same record and bike in Florida or Arizona, who has a chance to ride every day virtually 12 months of the year, would pay a higher annual premium.

So if you live where the wind and snow blows cold, make sure your bike is properly maintained and prepared for going on a "winter hiatus." And make sure you have the right kind of motorcycle insurance that will keep you and your bike fully protected, whatever you might decide to do and whatever might happen to your bike. After all, you want to be in one piece -- both physically and financially -- when spring beckons you back to the open road!

 About the Author: 
Timberlee Tamraz Grove is President of Markel American Insurance Company, which specializes in insuring motorcycles, boats and ATVs. The company is staffed with people who share your passion and know the sport of motorcycling.






Related Articles:
First Ride of the Season
Funny Insurance Claims
Insuring Your Motorcycle Accessories
Common Misconceptions About Insurance
Motorcycle Insurance: 5 Commonly Asked Questions


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Reader Comments


Wonderful article! Very sound advice and some new thoughts on winterizing (for me).

Jane
Middle-Of-Nowhere, ND
Tuesday, December 15, 2009
Good article! Thanks.

Cary
MD
Monday, December 14, 2009


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