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The weekend is coming. You want to hit the open road, but will your motorcycle insurance cover your activities?

If not, short-term motorcycle insurance can be helpful as an investment. Here are some of the scenarios I’ve encountered where this coverage has helped me enjoy more moments without worrying about unexpected situations.

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Top 7 Reasons When Short-Term Motorcycle Insurance Is Needed

Although everyone has unique insurance needs to consider, a short-term policy is often helpful when the following circumstances arise.

  1. The Weekend Joyride

Imagine waking up to a perfect sunny day, and you can’t resist the urge to hit the open road. Short-term motorcycle insurance is your ticket to worry-free joyrides, whether a spontaneous trip to the coast or a leisurely ride through scenic routes. It provides coverage for your trip, ensuring you’re protected if the unexpected happens.

  1. Test Rides or Rentals

Are you planning to test ride a friend’s motorcycle or rent one while traveling? Short-term insurance has got your back. It’s essential to have coverage even for a brief ride, as accidents can happen when you least expect them.

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  1. Borrowing a Motorcycle

Your buddy offers you their motorcycle for a special occasion or just a quick spin around town. While their generosity is heartwarming, it’s essential to consider insurance. Their policy might cover your activities, but having a temporary policy can protect them and your finances if you run into trouble.

  1. Special Events

Short-term insurance is a must for adrenaline seekers who love track days or participate in motorcycle events. Races can deliver thrilling experiences, though they have potential risks. Having temporary coverage ensures you have what is needed while pushing yourself to the limit.

Some event organizers require this type of non-permanent insurance for you to participate. Others have policies you’re required to purchase when signing up to compete. It helps to know beforehand what to expect to avoid a double purchase.

  1. Seasonal Riding
a couple of bikes on road in winter cold

If you’re in a region with harsh winters, you might store your motorcycle during the cold months. When the first signs of spring appear, and you’re itching to hit the road again, short-term insurance can provide coverage before your designated riding season begins. It’s a cost-effective way to stay protected while your bike hibernates for the winter.

  1. Emergencies

Life is full of surprises. You sometimes need to hop on the bike for an unexpected journey under challenging circumstances. Whether it’s a family emergency or a last-minute road trip, short-term insurance ensures you’re covered for the duration of your ride, no matter how short notice it is.

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  1. Selling Your Motorcycle

Before handing over the keys to the bike’s new owner, have temporary insurance on the motorcycle. It protects both parties during the transaction to ensure a smooth sales process.

Before engaging the throttle to accelerate to your next adventure, consider whether short-term motorcycle insurance should be your companion. Stay safe out there, enjoy the ride, and make every moment count!

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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