That’s why having an Auto Pak policy makes so much sense. You can’t ride either year-round.
When you buy an Auto Pak policy you can reduce your deductible to reduce your costs when you wipeout. But, you’re also covered for damage to your ride when it is unlicensed, providing it isn't operated on Crown lands, trails, lakes or any public roadways or spaces.
Ask your SGI CANADA insurance broker for advice and pricing.