Motorcycle and boat owners are, largely, comfortable with risks. That can be a great personal attribute for many things – insurance is not one of them. It’s tempting to cancel motorcycle and boat insurance in the winter when they’ll be in storage and going unused. It seems like an easy way to save some money but being uninsured can lead to some significant losses.

Many boat claims are for fire, theft, flooding and vandalism. These are all risks when boats are in storage, maybe even more so than when they’re on the water for the summer. And what about motorcycles? There are always a few unseasonably warm days every season when motorcycle riders will want to take a ride. There are also some who don’t properly winterize their motorcycle or boat. Motorcycle insurance and boat insurance can cover some of that damage, but only if an insurance policy was in place when it occurred.

There are ways to lower the cost of insuring your motorcycle or boat in the off-season though! We list a few possibilities below.