Compare motorcycle storage insurance

A motorcycle storage policy keeps you covered for theft or damage while your ride is in a garage or storage. But some insurers don’t offer this low-coverage option because the off-season for riding is already built into low year-round premiums.

How does motorcycle storage insurance work?

Also called layup, temporary, comprehensive-only or seasonal insurance — a motorcycle storage policy is meant to protect your bike from physical damage while it’s being stored in a garage or other enclosed space. This policy is bare comprehensive coverage, meaning you can’t ride legally with storage insurance. It’s ideal for bikers who only ride a few months a year and don’t want to pay full price for insurance during the off months.

Scenarios where you might consider a storage policy include:

• During seasons commonly known for harsh or unsafe weather
• Active military duty
• Students away at school
• Health reasons
• Traveling abroad
• Broke-down or project bike you plan to repair in the future

How can I get cheap motorcycle storage insurance?

A storage policy is about as little coverage as you can get, but you might find other ways to discount your premium:

• Install an antitheft device. You’re already locking your bike up, but you can further discourage theft with an antitheft alarm or GPS locator.
• Raise your deductible. Shoulder more responsibility upfront in the event of bike damage to get a lower premium.
• Lower your maximums. If you expect an uneventful storage period, consider dropping the dollar amount your policy will pay for a claim.
• Bundle-up coverage. Keep all your daily and recreational vehicles on one policy, including your car, ATV, RV and home.

How do I get motorcycle storage insurance?

Check with your insurer to see if you can get storage policies, or look for a specialty motorcycle storage insurer. To take advantage of this typically low-cost policy:

1. If you’re applying for a new policy, compare multiple insurers using your personal information, driving history and bike make and model.
2. If you’re continuing with your current insurer, call a representative to update your coverage.
3. Get notified of your new premium, receive policy documents and make your payment.
4. Ensure that your bike is properly stored and you’re not using it during layup periods.

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Name	Product	Roadside assistance	Accident forgiveness	Available states
AARP Auto Insurance Program from The Hartford		Optional	On the first accident	All 50 states	Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
USAA motorcycle insurance		Optional	Yes (after 5 years of loyalty)		USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.	Get quotes More Info	Compare	loading Fetching your data...
Elephant		Optional		GA, IL, IN, MD, OH, TN, TX, VA	Get a great deal online with steep discounts and some of the highest liability limits available.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual motorcycle insurance		Optional	No	All 50 states	Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.	Get quotes More Info	Compare	loading Fetching your data...
AAA motorcycle insurance		Included free	Yes, optional extra	All 50	Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.	More Info	Compare	loading Fetching your data...
Savvy		Optional	Depends on provider	All states & DC	Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.	Get quotes More Info	Compare	loading Fetching your data...

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What does motorcycle storage insurance cover?

Your bike storage insurance covers similar areas as comprehensive coverage, including:

What should I watch out for?

Getting a motorcycle storage policy is fairly straightforward. However, consider these situations for a smoother transition:

• Your insurer requires year-round coverage. Some companies factor the riding on- and off-seasons in to a low premium already. Your insurer may not let you drop to comprehensive-only coverage, and could deny coverage if you consistently cancel and renew based on the season.
• Riding without liability. Storage policies don’t meet state insurance requirements. You’ll need to stay off the road, even if you come back to town early or have a fair-weather day.
• Riding without collision coverage. Similarly, storage insurance won’t cover collision damage, since you won’t be riding the bike.
• Getting back on the road. You’ll have to up your coverage before riding season begins again.

Bottom line

Protect your bike from accidental damage and theft while you’re not riding. Storage, or layup insurance can help you maintain coverage at a lower cost. However, you might compare motorcycle insurers who offer this lessened protection for the best fit.

Common questions about motorcycle storage insurance

• Can I just cancel motorcycle insurance in the winter?

  You could, but doing so might result in some problems with your insurance company. First, your insurer could deny future coverage if it recognizes that you cancel and renew by the season. Second, you could end up paying more because the insurer sees that you have lapsed coverage on record, a defining characteristic of higher risk.

• What can I do if my insurer doesn’t allow storage policies for the offseason?

  If your insurer requires you to keep a policy year-round, you could save money by increasing your deductible and lowering your liability limits. However, you’ll need to keep this reduced coverage in mind if you decide to ride during winter.

• How can I get motorcycle insurance for one day if I have a bike storage policy?

  Some companies offer coverage by the day. In addition, some insurers include a clause that gives you one day of liability coverage during your storage policy’s term.