Well I must say I'm pleased I found this thread because I've always assumed that when I've been given the use of a loaner that all the legalities are sorted before I ride away. I think the OP was a little unlucky if he was "targeted" because he looked dodgy slipping down a no-exit road.
Since I've only had loan bikes from Haldanes (originally) and then Colemans I'd like to think that they have a reputation to uphold and wouldn't put a rider in the position of being on a, technically, un-roadworthy bike.
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