One of the questions that we're asked most frequently by riders, is why motorcycle insurance is delivered on an annual 12-month policy, and not a seasonal 6-month policy.  Here's what we tell them: 

The annual insurance premium is based on seasonal use.  Premiums for seasonal vehicles (including boats and motorcycles) are collected in the riding season (March-October). Cancelling insurance in the fall or winter does not typically generate any refund, unless you carry additional coverage for fire and theft which is spread out equally across all seasons.  These policies assume seasonal use and do not charge any premium during the winter months. 

An annual policy will allow for coverage such as fire and theft, to remain active year-round. Motorcycles continue to be at risk for loss or damage even while stored. An annual policy will allow you to purchase and maintain insurance for fire, theft, or collision - which includes damage from tipping over.

Convenience of getting back on the road.  It can be a hassle to set up a policy each year - especially if the first sunny day catches you off-guard.  A continuous insurance policy will allow you the flexibility to ride at your leisure, even if that is a sunny day in February.