No test drive, no purchase unless I'm purchasing a brand new bike with which I'm already familiar. I wouldn't purchase a used bike without some type of test drive. A dealer should have no problem with used bikes being taken out for a ride but I can see how a private seller might be reluctant to do so, especially since here used bikes for sale are often "off the road" and not insured. It's a quandary for both sides.
My insurance covers test rides by others while trying to sell the bike. The idea of a deposit in the amount of the insurance deductible is a good one.
But in short, no test drive no purchase.
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