Having worked at a main dealers a few years ago I would have though any reputable dealer would have either trade plate with dealers insurance a short term (by the hour) insurance option Coopers spring to mind £10 and a £200 excess should you damage it or there own insurance in place which is usually free but with a massive excess in the thousands of pounds.
We had a guy come in 35 minutes before we were due to close on a Saturday I offered him the £10 insurance, I've been riding 35 years he said I'm not likely to drop it sonny ??? well no one sets out to damage a bike but stopping in a gravel lay-by hits the front brake down he goes.
His cheapest option was to buy the bike and as a gesture of good will we replaced the dented tank foc.
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