Sooo... I found the bike I want (SV650s 2006 - 7000kms), get approved for the finance. So I go ahead with the private purchse with the explanation I will be putting the bike into a warehouse (fully insured) until I can ride it as no insurance company will offer me insurance on a registered bike that I cannot legally ride. I cannot get finance (at a decent rate) for an unregistered vehicle. The finance company say that having the bike insured through the warehouse is unacceptable, so I cannot get finance. Looks like I have to wait a couple of months to get my upgrade. Has anybody found a better way around this (apart from using cash)?