I have ridden my bike to test rides, and I show them copies of my MC insurance card. I have never had any issues. When selling a bike, I ask questions of the potential buyers prior to allowing any test rides. I try to judge their competency. I will never bring the full asking price in cash (unless it is a more modest purchase.) There is no reason to take thousands of dollars to some strangers house to look at their bike. That would make it too easy to become a victim.