Insurance Coverage for Seasonal Vehicles

April 30th, 2012  |  Auto Insurance

When it comes to insurance coverage, while most of the attention gets placed on auto and home, there is another form of insurance that often gets overlooked; seasonal vehicle insurance.

What is seasonal insurance?

Seasonal insurance differs from more traditional insurance in the sense that it allows for the accident and liability coverage to be removed when the vehicle is not on the road, usually during the off season. However, comprehensive coverage, which covers things like theft and fire, remain covered throughout the year. This sets up a situation where owners pay full coverage fees when using the vehicle and only a portion of the rates when the vehicle is being stored.

Seasonal vehicle insurance is something that is easy to forget about, especially when it comes to less used motorized vehicles. However, the last thing you want to happen is get asked to show proof of insurance and not be able to produce it. Therefore, whether you are heading to the lake or cottage, pulling your sports car out of the garage for a spin, or taking a road trip with your RV, make sure that you are covered and your seasonal vehicle insurance up to date.

What type of vehicles requires seasonal insurance?

• ATVs
• Boats
• Motorcycles
• Show and Sports Cars
• Mopeds
• RVs and motorhomes
• Seasonal business vehicles

Tips for comparing seasonal insurance coverage and rates

Seasonal insurance is not the same as the insurance coverage that you have for your home or car. Therefore, you need to take the time to understand the nuances of the coverage. Here are some things to keep in mind:

• Shop around. Enlist the services of an insurance broker to make things easier on yourself.
• Ask the insurance company about how their seasonal polices work. They will vary from provider to provider.
• Always advise your insurance provider of coverage changes well in advance.
• Make sure are up to date and pay thelicensing feesfor your seasonal vehicle.

Always review your policy details and make sure that your coverage is up to take before you use your seasonal vehicle.