My insurance company usually says that test rides are covered but they also suggest taking copies of their license, holding onto their car/bike keys while they're gone, etc.
When selling my last bike I just followed them on my new bike to make sure they didn't do a runner or bin it. Not all will have that luxury though.
When test riding a bike away from home I gave the guy my car keys for him to follow me around after I showed him my bank balance on my phone.
So there's a couple things you can do to get around this - and I agree with the above, ain't no way I'm bringing wads of cash to a bloody test ride.




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