find a broker

Find a Broker

FR

LoginMy Account
Western Financial Group Western Financial Group
  • Personal

    Home Insurance

    Home Insurance

    Condo Insurance

    Renter's Insurance

    Seasonal Property Insurance

    Mobile Home Insurance

    Vehicle Insurance

     

    Car Insurance

    Motorcycle Insurance

    RV Insurance

    Boat Insurance

    ATV Insurance

    Snowmobile Insurance

    Vehicle Replacement Insurance

    Health & Life Insurance

    Life Insurance

    Disability Insurance

    Critical Illness Insurance

    Mortgage Life Insurance

    Financial Insurance

     

    TFSA

    GICs

    RESPs

    RRSPs

    Travel Insurance

     
  • Business

    Commercial Insurance

     

    Business Insurance

    Business Life Insurance

    General Liability Insurance

    Commercial Property Insurance

    D&O Liability Insurance

    Rental Property Insurance

    Legal Protection Insurance

    Errors & Omissions Insurance

    Cyber Liability Insurance

    TotalProtect Insurance

    Fleet Insurance

    Farm Insurance

    Product Liability Insurance

    Employee Benefits

    Employee Benefits

    TotalGuard Insurance

    Group Insurance 

     

    All Insurance Programs

    ABLE Cannabis Insurance Program

    AMM Municipal Insurance Program

    CRA Insurance Program

    CVMA Insurance Program

    Crop Inputs Insurance Program

    Haven Municipal Insurance Program

    Hospitality Insurance Program

    Juno Restaurant Insurance

    BCRFA Restaurant Insurance

    Groupex Insurance Partnership

    CAM Movers Insurance

    Musical Instrument Insurance

    Independent Retail Insurance

    CAMA Insurance Program

    Biz Benefits Partnership

     

    Event Liability Insurance

     

    Charity Events or Fundraising Insurance

    Conferences and Conventions Insurance

    Corporate Events and Seminars Insurance

    Farmers’ Market Insurance

    Festival Insurance

    Hole-in-one Contest or Golf Tournaments Insurance

    Product Launches and Promotional Events Insurance

    Sporting Event Insurance

    Wedding Insurance

    Industries

    Cannabis

    Construction

    Contractors

    Daycares

    Greenhouses

    Hotels and Motels

    Manufacturing

    Municipalities

    Professional Services

    Property Management

    Retail

    Restaurants, Cafes, Delis, Fast Food

    Skilled Trades

    Technology

    Welders

  • Services

    MyWestern

    Payment Setup

    Registry Services

    Community Emergency Resources

    Personal Insurance Claims

    Commercial Insurance Claims

    Risk Management

  • About Us

    About Western

    Who We Are

    Executive Team

    Divisions

    Partners

    Western Coast Insurance

    Wyatt Dowling Insurance

    Sustainability

    Diversity, Equity and Inclusion

    Western News

    Blogs

    Careers

    Contact

    Communities Foundation

    Our Giving Programs

    About the Foundation

    Annual Giving Reports

    Annual National Walk

    Community Infrastructure Grants

    Foundation FAQs

    Sponsorship

    Western Communities Foundation

    Your donation will help improve local communities.

    Donate

1-866-860-1958

Get a Quote

Get a Quote

Main Menu

  • Personal
    • Home Insurance

      • Home Insurance

      • Condo Insurance

        Renter's Insurance

        Seasonal Property Insurance

        Mobile Home Insurance

    • Vehicle Insurance

       
      • Car Insurance

      • Motorcycle Insurance

        RV Insurance

        Boat Insurance

        ATV Insurance

        Snowmobile Insurance

        Vehicle Replacement Insurance

    • Health & Life Insurance

      • Life Insurance

        Disability Insurance

        Critical Illness Insurance

        Mortgage Life Insurance

    • Financial Insurance

       
      • TFSA

        GICs

        RESPs

        RRSPs

    • Travel Insurance

       
  • Business
    • Commercial Insurance

       
      • Business Insurance

      • Business Life Insurance

        General Liability Insurance

        Commercial Property Insurance

        D&O Liability Insurance

        Rental Property Insurance

        Legal Protection Insurance

        Errors & Omissions Insurance

        Cyber Liability Insurance

        TotalProtect Insurance

        Fleet Insurance

        Farm Insurance

        Product Liability Insurance

    • Employee Benefits

      • Employee Benefits

        TotalGuard Insurance

    • Group Insurance 

       
      • All Insurance Programs

        ABLE Cannabis Insurance Program

        AMM Municipal Insurance Program

        CRA Insurance Program

        CVMA Insurance Program

        Crop Inputs Insurance Program

        Haven Municipal Insurance Program

        Hospitality Insurance Program

        Juno Restaurant Insurance

        BCRFA Restaurant Insurance

        Groupex Insurance Partnership

        CAM Movers Insurance

        Musical Instrument Insurance

        Independent Retail Insurance

        CAMA Insurance Program

        Biz Benefits Partnership

         
    • Event Liability Insurance

       
      • Charity Events or Fundraising Insurance

        Conferences and Conventions Insurance

        Corporate Events and Seminars Insurance

        Farmers’ Market Insurance

        Festival Insurance

        Hole-in-one Contest or Golf Tournaments Insurance

        Product Launches and Promotional Events Insurance

        Sporting Event Insurance

        Wedding Insurance

    • Industries

      • Cannabis

        Construction

        Contractors

        Daycares

        Greenhouses

        Hotels and Motels

        Manufacturing

        Municipalities

        Professional Services

        Property Management

        Retail

        Restaurants, Cafes, Delis, Fast Food

        Skilled Trades

        Technology

        Welders

  • Services
    • MyWestern

      Payment Setup

      Registry Services

      Community Emergency Resources

      Personal Insurance Claims

      Commercial Insurance Claims

      Risk Management

  • About Us
    • About Western

      • Who We Are

        Executive Team

        Divisions

        Partners

        Western Coast Insurance

        Wyatt Dowling Insurance

        Sustainability

        Diversity, Equity and Inclusion

        Western News

        Blogs

        Careers

        Contact

    • Communities Foundation

      • Our Giving Programs

        About the Foundation

        Annual Giving Reports

        Annual National Walk

        Community Infrastructure Grants

        Foundation FAQs

        Sponsorship

LoginMy Account

FR

1-866-860-1958

Get a Quote

Find a Broker

Does Insurance Cover My Motorcycle and ATV During Winter?

Does Insurance Cover My Motorcycle and ATV During Winter

For motorcycle, ATV, and scooter enthusiasts, it’s soon time to put your rides away for the winter.

These toys need proper storage and winterization to ensure when spring arrives you are ready to enjoy the season.

Proper seasonal vehicle storage is critical during the cold months when they are not in use. Motorcycle, ATV, and scooter insurance typically covers your vehicle year-round, including during the winter months when you're not riding it.

Here's a step-by-step guide on how to winterize your motorcycle, ATV, and scooter


Clean your vehicle: Wash your motorcycle, all-terrain vehicle (ATV), and scooter thoroughly to remove dirt, grime, and salt residue. Make sure they are completely dry.

Change the oil and filter: Replace the oil and oil filter. Fresh oil helps prevent corrosion during storage.

Fuel system:
• Add a fuel stabilizer to the gas tank to prevent fuel from deteriorating and clogging the carburetor or fuel injectors.
• Run the engine for a few minutes to ensure the stabilized fuel reaches the engine and carburetor.


Battery maintenance:
• Remove the battery from the vehicle. If you can't remove the battery, keep it connected to a battery tender or maintainer to prevent it from losing charge.
• Clean the battery terminals and apply a light coat of grease to prevent corrosion.
• Store the battery in a cool, dry place. Consider using a trickle charger to maintain its charge.


Tire care:
• Inflate the tires to the manufacturer's recommended pressure.
• Consider using a stand or paddock stand to keep the tires off the ground and prevent flat spots.


Storage location:
• Store your vehicle in a dry, cool, and well-ventilated location. such as a garage or shed.
• If possible, cover it with a breathable motorcycle cover to protect it from dust and moisture.


Exhaust and intake:
• Stuff a clean cloth or paper towel into the exhaust pipe to prevent critters from making a home there.
• Cover the air intake with a breathable material to keep out debris.


Chain and drive: Lubricate the chain to prevent rust.


Cooling System: Check the coolant levels and ensure it's appropriate for winter temperatures.


Brake and clutch fluid: Check the brake and clutch fluid levels and top up if necessary.


documentation: Ensure your vehicle's registration, insurance, and any required permits are up to date.


Scheduled maintenance: If your vehicle is due for any scheduled maintenance or repairs, it's a good idea to address them before winterizing.


Safety check: Check all lights, signals, and brakes to ensure they're working correctly.


Record keeping: Maintain a record of the steps you've taken for winterization and any maintenance performed.


Regular checkups: Periodically inspect your vehicle during the winter months to ensure it's in good condition.


When spring arrives, follow the reverse process to prepare your vehicle for riding season. Proper winterization will help extend the life of your vehicle and ensure it's in top condition when you're ready to hit the road again.


Insurance Coverage

Motorcycle, ATV, and scooter insurance typically covers your vehicle year-round, including during the winter months when you're not riding it. However, there are a few important points to keep in mind:


Coverage Type: The extent of coverage can vary depending on the type of insurance you have. The most common types of coverage include liability, collision, comprehensive, and uninsured/underinsured motorist coverage.


Year-Round Coverage: Motorcycle insurance policies are typically continuous throughout the year unless you specifically request a seasonal policy. Most riders prefer to keep their coverage active year-round to protect against theft, vandalism, and other risks that can occur even when the motorcycle is not in use.


Storage Considerations: If you plan to store your motorcycle, ATV, scooter for an extended period during the winter and will not be riding it at all, you may be able to adjust your insurance coverage to reflect the reduced risk. This is often referred to as "lay-up" coverage. During this time, you may reduce your coverage to only comprehensive, which protects against non-collision-related damage, like theft and damage from natural disasters.

Western Financial Group offers a complete set of insurance products and solutions through our licensed sales brokers who are located across Canada. Car, home, many types of recreational vehicles and commercial/business insurance.

GET A QUOTE

Recent Blog Posts

Electric Boat FAQ
Should I Buy an Electric Boat?

May 20, 2025


Basic Boating Safety
What's Basic Boating Safety?

May 14, 2025


Common Home Insurance Claims Canada
What are Canada's Top Home Insurance Claims?

May 13, 2025


Western Financial Group

2025 Western Financial Group. All rights reserved.

Privacy / Legal | Accessibility Guidelines | Fair Treatment of Customers Policy | Terms of Use | Compensation Disclosure | Complaints Process | Media Relations | Mergers & Acquisition | Careers | Sitemap

 

Western Financial Group acknowledges that its Head Office is situated on the sacred gathering ground of the buffalo and the healing place of the Medicine Tree. We honor the Blackfoot Nations, including the Siksika, Piikani, and Kainai, as well as the Tsuut’ina and Stoney Nakoda First Nations, the Métis Nation (Region 3), and all who make their homes in the Treaty 7 region of Southern Alberta. As a company with team members and operations across Canada, we also recognize and honour the diverse Indigenous Peoples from coast to coast — including First Nations, Inuit, and Métis — who have stewarded these lands since time immemorial, and we reaffirm our commitment to working together as a community, laying the foundation for reconciliation through education and mutual respect.