Winter Ins Coverage?

[Half Squid]

I ussually just drop my coverage over the winter to the bare minimum without Collition property damage, personal & passenger injury ext.

Is it more cost effective to completely remove my policy, turn in my plates? I figured it would be more of a pain in the ass to discontinue the policy & turn in plates until March. Plus it's easy enough when I do keep the min. to just call my broker when there is an unforeseen nice day in early March and want to go ride immediately. I can ride the same day if I keep the min coverage! It only takes 5 minutes to get the coverage switched and sign the change form!

What do you do and what could be an estimated savings? Is it worth the aggrivation to re-register come spring?
Oh and not to mention if the bike gets stolen your completely at a loss!

Mike

[benVFR]

Last year I was a paid by the hour contractor...

I think I decided I'd lose more money going to the registry to take care of it than I would just paying my insurance...

Probably going to keep it active this winter too... you never know if we'll have a warm day.

[Jaynnus]

I leave then all insured all year long.

I had a total loss once due to fire...without that insurance I would have been screwed. Besides, we are talking about 3-4 months worth only, right?

[benVFR]

The insurance should still cover you for a fire... you are only dropping liability and collision and a few things like that, the comprehensive should stay active.

The issue is MA being retarded and not trusting you that you aren't going to ride...

AFAIK when I lived in New Hampshire I was able to winterize the bike & save money without having to visit the RMV.

It was like $100-150 savings when I checked it out, if the registry f*cked me once and I had to go back that would easily have been enough missed work to negate the savings.

[slingblade]

I just leave it on. I did take it off the 1st winter with the Impala... Never again.

Its SO much easier just to leave it on and pay for the piece of mind, and not to go to the RMV.