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How To Cancel A Motorcycle Insurance Policy
Whether you've decided to get rid of your cycle and no longer need motorcycle insurance, or are switching to another carrier, you should cancel your current policy.Steps for Canceling a Motorcycle Insurance Policy
While it may be tempting to simply brush off your insurance company, don't do so.
The insurer may continue to send bills, contact you by phone, or send a stream of cancellation notices. It may even report your non-payment to a credit bureau, and hurt your credit rating. And, if the insurer cancels the policy for non-payment―as opposed to you ending the policy―it could label you as a "high-risk" individual and make it more difficult to obtain affordable coverage form other companies.
Instead, contact your insurance provider, tell your agent you're ending your policy coverage, and give him the date you want your coverage to stop. Some insurers may require you to do so in writing, and others will accept a phone call to a customer representative or agent. Just find out what the insurer prefers, and follow its lead.
The carrier may contact your state's motor vehicle department to let the agency know you've canceled your policy. Or, you may need to write or call the agency yourself. Ask the insurer to be sure about your responsibility in this matter.
When to Cancel Your Motorbike Insurance Coverage
It's easiest to wait until near the end of your policy term to end your coverage, but you can cancel a policy at any point. Be sure to request a refund of any unused premiums if you cancel your coverage early in the premium period.
If you plan to continue your motorcycle insurance with another carrier, coordinate the coverages so you're not without insurance for a moment. Do this even if you don't plan on using your cycle for a while; your life will be simpler if you don't show any gaps in your motorcycle insurance coverage.
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