Also the insurance issue is not as cut and dry as you might believe. If someone takes your bike for a test drive and crash, its your insurance that covers it not his. In other words...you have pay your deductible on your plan, and its all paid by your plan to be fixed. What does this mean? Your rates go up for someone else crashing your bike. This also holds true if you lend your truck/car to someone to haul a refrig/etc and they wreak it.