In Mapleton, UT, motorcyclists enjoy riding for about six months of the year. During the other half, snow is often in the forecast, and your motorcycle may sit in storage—covered and unused in the garage or shed. During this time, you’re still paying motorcycle insurance premiums for a vehicle you’re not using. You might consider canceling or pausing your insurance until you’re ready to ride again. But is this a wise decision?

Why Canceling or Pausing Insurance Might Be Okay

Saving money is the primary motivator for canceling or pausing insurance. Some carriers, including those at Maple Mountain Insurance Services, offer seasonal motorcycle insurance, which allows you to cancel, pause, or lower premiums during the winter months. This option helps you maintain coverage without removing it entirely. While carriers may use different names for this service, the concept is the same. Additionally, Utah law requires motorcycle insurance for road use, but there’s no legal requirement for insurance while your bike is in storage.

Why Canceling or Pausing Insurance Might Not Be Okay

Most carriers offer year-round policies with low premiums. If you start and stop coverage each year, you risk higher premiums every time you reactivate your policy. Additionally, you may face fees, penalties, and paperwork for canceling and restarting coverage. Other concerns include:

• Theft
• Vandalism
• Natural disaster damage
• Rodent infestation
• Accidental damage while in storage
• The temptation to ride on warm winter days
• Jeopardizing your lease or finance agreement
• Rejection by some carriers

An agent at Maple Mountain Insurance Services can review your policy to determine if canceling or pausing premiums is an option. If it’s not, we can help you find motorcycle insurance plans that allow seasonal adjustments. If canceling your year-round policy becomes necessary, we’ll work with you to find affordable coverage. For more information on motorcycle insurance, contact our Mapleton, UT, office.