Do you drop your insurance in the winter?

[Stig / Major Tom]

Had an ins. agent ask me that once.
This is Ohio, not Antarctica! - of course I need 12 months of coverage!
Do you guys drop coverage in the winter months?

Stig
FL & CAL responses will be deleted of course...😊

[fishcutter44]

I've always kept the coverage effective year-round; around $230 total to cover 3 scooters and the Moto Guzzi seems cheap to me.  Especially when we get a day like today in February-50 degrees here in RI and went for a ride.

Kurt

[Kansas kymco]

I have 4 Kymco scooters and a Lambretta uno 150 that I keep full coverage year around. Not that much money. Yesterday was record high temperature 74F normal 45F. I took the People 150 and the Lambretta uno 150 out for a ride before the Superbowl. Today it's in the low 30F with snow forecasted with a windchill around zero for tomorrow morning. If I take the RV down to Georgia or Texas during the winter I'll load up a couple of scooters as well.

[CROSSBOLT]

All year...

[airshot]

Gotta remember your Ins coverage also includes fire and theft coverage. If you dont care if your toys are burnt up or stolen, then by all means cancel your ins....the money you save will certainly buy you another machine..... wont it?

[rdhood]

Georgia requires you to have insurance all 12 months, else you have to jump through hoops to drop it for some period. The state gets a notification when you drop Insurance on any vehicle that requires it, and they'll drop your license if you do it without coming in and signing some kind of a waiver that says you will not be operating the vehicle

[Kansas kymco]

Georgia requires you to have insurance all 12 months, else you have to jump through hoops to drop it for some period. The state gets a notification when you drop Insurance on any vehicle that requires it, and they'll drop your license if you do it without coming in and signing some kind of a waiver that says you will not be operating the vehicle

Same for Kansas, insurance company notify the state for lapse of coverage and they can send a officer to retrieve the tag.

[Neil955i]

Nope, I'm a year-round insurer too Stig, you never know when you might get a great winters day riding in!  How tits'd off would you be not to be able to take advantage?!

[john grinsel]

Regardless of where I am living I keep insurance and bike on road 12 months a year.  Easy now that I keep one bike at a time----one time in Germany I had 8 registered bikes at one time.  Dumb as you spend all of your time working on them.

[randyo]

Gotta remember your Ins coverage also includes fire and theft coverage. If you dont care if your toys are burnt up or stolen, then by all means cancel your ins....the money you save will certainly buy you another machine..... wont it?

it's easy enough to drop liability & collision, and keep comprehensive,  I had an old classic car insured for comprehensive only, for a few years,

[Kansas kymco]

it's easy enough to drop liability & collision, and keep comprehensive,  I had an old classic car insured for comprehensive only, for a few years,

A lot of states you can't drop liability without forfeiture of your tags. I have several vehicles in storage that I drop collision on while in storage.

[leomagnus]

I have progressive...its only $75/year, so doesn't make sense to drop it.

Dean

[randyo]

A lot of states you can't drop liability without forfeiture of your tags. I have several vehicles in storage that I drop collision on while in storage.

I dropped the registration on that particular car, but doesn't really matter, here in NH, there is no mandatory insurance requirement, period, like helmets and seat belts, the "live free or die" state

[Viper254]

What's a tag?

[Neil955i]

What's a tag?

A bit like a mixture of our road fund licence and number plate I think!