Motorcycle insurance in Canada is typically considered seasonal coverage, but most policies are still annual policies. The expectation is that Canadian motorcycle drivers don’t typically operate their motorcycles during the winter months, so rates are adjusted and prorated accordingly. Depending on the insurance provider, motorcyclists typically make installment payments throughout the year on a monthly or bi-monthly basis. Some motorcycle policies, however, are paid in one lump sum. Like other types of insurance, it’s not recommended to cancel motorcycle insurance. Lapses in insurance coverage can cause your premiums to skyrocket upon reactivation, which could mean paying far more come springtime had you not cancelled at all. In provinces such as Ontario where automobile insurance continues to rise (motorcycle insurance included) it’s not worth the risk, especially when motorcycle policies take riding seasonality into consideration. Cancelling insurance also results in the cancellation of optional coverages against theft and damages, which is not ideal for the majority of motorcyclists. Just because you’re not driving your motorcycle year-round doesn’t mean things can’t happen to it.  Summary: While you may not be riding your motorcycle in the winter, your insurance policy likely takes this into consideration. Speak with your insurance representative to confirm your coverage if you have any questions.