This idea sparked my interest again. I was wondering if there is any disadvantages to switching insurance between - a small scooter and my daily summer commuter. My insurance charges the same $ amount monthly, I was thinking of buying some cheap scooter and insuring it for the summer months. When spring arrives - take the scooter off and put the summer bike back on.
I wouldn't necessarily be riding the scooter, it would just be insured so I can pay like $20 a month instead of $200 for the summer bike. Both bikes will be in storage.
Let me make this a bit more clear, both bikes will not be insured at the same time.
Winter: scooter
summer: daily bike