I'm jealous. My bad for canceling insurance on my bike at the beginning of November over a bad cold snap, it warmed up after a week and I could've been riding until mid December.
our insurance doesn't really work that way...odd you can do that our West.
you buy your insurance here for the year...the "value" is prorated over the riding season (what they deem as riding season)...for example (and simplicity), say your rate is $660 for the year...you'd likely be looking at a breakdown of the following:
January - March: $10/month
April - September: $100/month
October - December: $10/month
so, if you bought insurance in January, then sold the bike in November and cancelled the insurance, you'd only get back $10-$20...they used to do it the old way (say, $55/month), but then people would insure the bike in April, pay $55/month until October, then cancel the insurance (since you aren't going to be riding it 12 months)...now the rates are prorated for the riding season with a tiny portion valued during the off season.