I am in the market for a new bike. Yesterday I took a ride over to a dealer to look at a potential bike. I was going to take it for a test ride, however, when I was presented with the documentation I felt that it was too onerous for me. Basically it said that if I bent it or if someone else bent it I'd be up for the cost of repairs. I asked about insurance, but the dealer's stock is only covered for when it's in the show room, etc.. I declined to take the bike for a test ride. I'd like to hear from people about their experiences in this regard. Do you accept the full liability, have you seen such conditions on test rides? I would've thought that the dealers would need to cover their own backsides, because some guy rocking up looking for a test ride may not necessarily have the wherewithall to cover a potential multi-thousand dollar repair/replacement bill, particularly if he'll be looking for finance to buy the bike.