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What type of coverage do you need?

By: Andrea Moyermotorcycle rider

We’ve had some weird weather lately here in southeastern Pennsylvania.  We’ve had snow, ice, a polar vortex displacement and buckets of rain.  That’s to say nothing of the weekly temperature fluctuations which continue to drive us all crazy and wreak havoc on our immune systems.  Our little corner of the world seems to be fraught with unusual weather patterns but I believe we’ve learned to cope.  We bolster our flagging spirits with artificial reminders that spring is just around the corner.  We daydream of venturing out into the morning sunshine clad in a lightweight jacket instead of a heavy winter coat and of leaving for work without having to let the car warm up first. 

If you’re a motorcyclist, it’s likely that this time of the year is a particularly difficult one for you to endure.  However, I’m all for making the most of the time at hand to take care of a few tasks that you might be tempted to neglect when you’re finally back on your bike.

Layup Policy

Perhaps you’ve heard of a Layup Policy and were wondering what that might be.  It’s actually a way to save on your insurance during the months when you’re not using your motorcycle.  While not all insurance companies may offer this option, those who do mainly focus on cyclists in northern states.  They have the option of suspending typical coverages, such as liability, collision and towing, and only pay for comprehensive coverage, which covers things like bike theft, fire, etc.  The insured needs to reinstate full coverage once they start riding again, but this is a good option for cyclists who live in states that get a fair amount of snow and ice.  Or for those who live in Pennsylvania.

It’s a good idea to call your insurance agent at 877.791.1707 and go over your policy as not every carrier offers this policy.  It’s also a good idea to take stock of your gear and make sure everything is in good working order before you hit the open road.   

Safety Courses

Whether you’re a novice or a pro or even if you’re only thinking about getting a motorcycle, safety is paramount to a successful ride.  PennDOT is offering free clinics now through October in Harrisburg.  Registration opens today, Friday, February 15, and is available to experienced and new riders.  To register, simply follow the link www.pamsp.com or call 1-800-845-9533.

Take advantage of the few quiet weeks that remain and contact your insurance agent.  You might want to discuss coverage for damage to accessories, gear and safety riding apparel.  You may be interested in adding additional coverage for medical expenses that occurs from an accident during a motorcycle ride or coverage for roadside assistance.  Be sure you have the coverage that you need before you start your engine!

Spring really is just around the corner – those clear sunny days will be here before you know it!  Make sure you’re ready to roll.  Contact our Perkasie 215-257-9171 or Harleysville 215-723-9805 office for a free auto/motorcycle insurance quote so you can enjoy your ride with peace of mind.

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