Seasonal Vehicles Do you ride a snowmobile in the winter? Drive your classic car only during the summer? Park your RV in storage for a few months? These types of vehicles should have comprehensive coverage year-round. If you drive your vehicle for only a few months each year and store it when not in use, it still should be insured. Seasonal vehicles that are not driven year-round may include: All-terrain vehicles (ATVs and two-up ATVs)Motorcycles, mopeds, motor scooters and motor-assisted bicyclesOff-road vehicles Recreational vehicles (RVs)SnowmobilesClassic carsYour provincial government sets specific requirements for seasonal vehicles, such as: Minimum driver ageInsurance and registration Helmet useHighway crossingPrivate property use exemptions Basic Insurance Coverage You Should ConsiderComprehensive auto insurance can help protect your vehicle against fire, theft and other types of damage while it is in storage. Typically, you maintain insurance coverage for your motorcycle for the winter. Motorcycle insurance is normally based on 12 months of coverage and accounts for off-season storage. Classic car insurance may be similar. For more information, speak with your insurance representative.You may be able to remove the mandatory liability and optional collision benefits coverage while your vehicle is in storage. Each province and territory has specific licensing requirements for seasonal vehicles, including motorcycles, mopeds and classic cars. Visit your provincial or territorial government’s website for more information:AlbertaNunavutBritish ColumbiaOntarioManitobaPrince Edward IslandNew BrunswickQuebecNewfoundland and LabradorSaskatchewanNorthwest TerritoriesYukonNova ScotiaEarly Cancellation Penalties Do you insure your seasonal vehicle for a year but only drive it for a few months? If you decide to cancel your insurance policy, you may be subject to an early cancellation penalty.Tips on Reducing Your Insurance PremiumInsurers take specific factors into consideration when calculating your seasonal vehicle premiums. Some of these factors are the same as those used when calculating car insurance premiums. Find out how car insurance premiums are calculated.Ready to Get Back on the Road? A few weeks before you take your seasonal vehicle out of storage, contact your insurance representative and update your policy. You should also ensure that your licence plate sticker covers the time period during which you plan on driving your seasonal vehicle.*Source: http://www.ontario.ca/driving-and-roads/how-do-i-insure-seasonal-vehicle Related ServicesTheft CoverageOn average, are car is stolen every 3.5 minutes in Canada.Classic Car CoverageOnly drive your classic car in the summer? It still should have year-round comprehensive coverage. Your provincial or territorial government sets specific licensing requirements for classic cars. Motorcycle InsuranceA standard motorcycle policy typically includes third-party liability, accident benefits and uninsured automobile coverage. Useful LinksBuyer Beware: Read Your Policy CarefullyInformed buyers carefully review their insurance policy and policy limits. Know what to look for when reviewing all sections of auto, home or business policies. Seller ScamsPay attention to the details of your insurance contract. Scammers sometimes slightly alter the name of a legitimate company. Car CrashStay calm and if anyone is injured call 911. It’s important to take notes at the scene of a collision and report the incident to your insurer within 48 to 72 hours. Use IBC’s form to record all contact information and collision details.