Most Test Rides Require Signing an Insurance Waiver Making the Potential Buyer Responsible for Any Damage During the Test Ride. Do ANY Companies Sell Test Ride Insurance?
Options vary from insurance company to insurance company, but at Progressive, our contract doesn’t typically offer comprehensive or collision damage during a demo ride, but the Liability coverage from the policy would transfer to the customer. So, to simplify the insurance jargon, damage to the bike wouldn’t be covered, but the Progressive rider would be covered if he or she hurt someone or someone’s property while on the test ride. There are state exceptions, but generally only liability coverage is the norm. From the dealership’s perspective it’s typically the opposite, in most cases the waiver simply releases the dealership from responsibility of any damages to others that might occur, but they cover any damages to the bike. My advice is to ask the dealership to walk you through their specific waiver before you test ride.
-Scott Hall, Progressive’s motorcycle product manager
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We as a dealer, have our customers sign waivers. The rider is responsible for the damage to the motorcycle. At all shops I personally have worked at, I have never seen a demo ride insurance for the customer.