Sad story about grandpa's bike. As for test rides, bad idea. When I was selling my Gold Wing, I contacted GEICO, out of curiosity, to see if they would cover other riders (licensed). They said no - which I was okay with, BUT.... a few days later, I received a cancellation notice of my policy. The letter stated that it appeared that I was selling the bike and since unauthorized persons "might" ride the bike, they were cancelling the policy immediately. Sheesh, remind me not to ask any more questions.