Is it possible to cancel an ATV policy during the off-season?
During non-use periods, such as winter months for many, some ATV owners may contemplate canceling their insurance policy. However, total cancellation isn’t generally recommended.
Total cancellation can leave an ATV unprotected against vandalism, theft, fire, falling debris or similar perils. If an ATV were damaged while in storage, there’d likely be no recourse through insurance.
Instead of entirely canceling a policy, owners might consider adjusting their coverages. This can result in lower premiums while still maintaining the necessary protections for when the ATV is in storage. Any adjusted coverages can be reset once the ATV is taken out for use again.
If making coverage adjustments for off-season storage, owners should consult a qualified insurance agent. An agent can make sure critical protections remain in place during the off-season, and may remember to remind the owner that coverages should be reinstated before using the ATV next season.