cash in hand prevents joy rides why would it put you off unless you have no intention of actually purchasing the bike? im not gonna let every broke ass 16yr old come by my place, joy ride and rape my shit, and then just leave.....cash in hand shows they are atleast semi-serious about buying it and insurance covers the vehicle, it doesnt matter if that person is insured or not, if YOU have insurance on your bike, its good to go if they pull outta the driveway, give it too much gas, and dump it - you have cash in your hand, and they have a new bike......if not, theyre gonna pick it up, give it back, say "wow im sorry - but i dont even have the money to pay for it...your insurance will cover it, seeya" then youre stuck with a wrecked bike, no money, and your only option now is to sell it wrecked, or to claim it on insurance and watch your rates go up