Dealer Demo Ride: "If you break it, you buy it!"

You guys know that the dealer probably doesn't own the bikes sitting on their showroom floor, they're owned by the manufacturers acceptance company (they're financed) and just like YOUR financed bike, they ARE insured, as a requirement of finance.
The terms of that insurance can be quite onerous, with a LARGE deductible... which is probably why Blackstock want $1500 up front for a test ride, they have a $1500 deductible. Any claim will raise the dealer insurance rate... is any of this sounding familiar?
So... if I lend you MY bike, and YOU crack it up: Who is responsible for repairs? LEGALLY... NOT morally?
I am. The owner, not you. I could sue you, but I would have to prove negligence or malice (not sure if that's the right word....)
So if you crack up a dealer bike on a test ride, the dealer's insurance will cover it, it will be expensive, and the dealer WILL attempt to recover that money and WILL accept any money you give them, but legally I don't think you're liable.
That being said, I have a friend that owns a dealership, and I have "test ridden" lots of bikes, and if I cracked one up, he'd have payment the next day... and he knows that... so I can "test ride' bikes. I've even ridden a couple of his customer owned bikes, with the customer's approval.
The "test ride" bikes owned by the manufacturer, that get ponied around to dealers and shows for "Demo Days" have a (almost) regular insurance policy... and those bike get destroyed, I wouldn't buy one used.
 
When I attended Suzuki demo ride this week, they had me sign a disclosure which said that in the event of crash , claim could be made on riders insurance policy 😕
Would probably bailed on that. Who knows who is running with you in the demo ride.
 
So if you damage other peoples' property or cause bodily injury, your own liability from your policy kicks in. BUT we're talking about physical damage to the bike you do not own. For PPV (cars and trucks, etc.), this would be covered with OPCF 27, an endorsement on your policy.

Motorcycles typically don't offer this type of coverage - actually as far as I'm aware it's not available for motorcycles. So technically, your own motorcycle policy wouldn't cover damage to a bike you rode, but don't own.

The policy of the dealership has coverages in place, of course. If they make you sign a contract saying you're responsible for damages, I don't know if I'd want to risk it either, like @timtune said.
 
Buddy did a "rideshare" thing in Florida and they asked for and took his Ontario insurance particulars... who knows if they could actually claim on it, but he got the bike.
 
That would be great except I don't think your insurance is transferable that way so I don't think they have any claim

Sent from the future
There was a new rider who kept stalling a vstrom and almost dropped it few times. I told the rep that I will go in the next round.

And the next round was only me with a lead rider :)
 
That would be great except I don't think your insurance is transferable that way so I don't think they have any claim

Sent from the future
I may be wrong but I have heard that even car dealerships claim car owners insurance if one of their service techs crashed or damaged or while it was in for a service.

There have been few cases in the news
 
I may be wrong but I have heard that even car dealerships claim car owners insurance if one of their service techs crashed or damaged or while it was in for a service.

There have been few cases in the news
That's the opposite situation though. That is an authorized driver driving an insured vehicle and claiming on insurance for that vehicle. When you throw someone the keys, you are also giving them access to your insurance policy. The test ride scenario wants your insurance to cover a vehicle the insurance company knows nothing about.

Most cage policies have non-owned vehicle coverage for rentals but you didn't rent the test ride bike and I haven't looked into details on how that may play out.
 
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I may be wrong but I have heard that even car dealerships claim car owners insurance if one of their service techs crashed or damaged or while it was in for a service.

There have been few cases in the news
A garage auto policy offers coverage for legal liability for damage to customers’ autos….so an at fault accident (I.e mechanic responsible while test driving) should be covered by the dealer’s policy. A not at fault claim (DCPD) would be covered by the owner’s policy as it is a first party coverage. The exception would be where the customer’s auto is not insured under a motor vehicle liability policy. In that case, the dealer’s garage policy would respond for DCPD.
 
The Diavel Made Me Do It

I've been curious about Ducati's V4 engine for a while now, ever since they moved from the L-twin platform at WSBK. Its straight-line performance has definitely been a talking point in and around the paddock.

I asked the local dealership if I could take a brand new Panigale V4R out for a test ride.

They said "No."

Whut?!? I can't test ride a $53,000 motorcycle with 0 kms on the odometer?!?

Disappointing. But not unexpected... 🤣

They had a few V4 models on the floor that they said I could take out: a Multistrada, XDiavel and Diavel. I've ridden a Multi before and I didn't like the feet-forward position of the XDiavel, so I took the keys for the Diavel and prepared myself for a dance with the Devil.

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What an interesting-looking bike! Big bulbous front, which tapers off to a petite sport-bike-like rear end.

However, I'm not completely sold on the looks. I kinda prefer the original 2010 Diavel v1.0 with the smaller nostrils. This motorcycle certainly turns heads though. When I was parked at the Starbucks (obviously), two different people came up to me to talk about the motorcycle and ask questions about it.

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Does my butt make this bike's rear end look small?

The user interface was very familiar, sharing similar screens with my Hypermotard and DesertX. First thing I did was thumb the Mode button until the demonic-red Sport mode screen popped up, promising to unleash all 168 hearsepurse in my pants... er, on the road...

owaitaminnit, only 168 hp? The base Panigale V4 has 215 hp? And the R has 240 hp? Where did the rest of the 50+ ponies go?

So it turns out that Ducati has two versions of the V4. The one in the racebike has the full on Desmosedici Stradale engine, which uses desmodromic valves to shove the revs to a stratospheric 16,500 rpm redline in WSBK-homologated V4R trim.

The non-desmo version of the V4 is called the Granturismo and uses traditional spring valve return system instead of the desmo rockers. Cheaper and easier to produce, less maintenance-intensive, but lacking that high-end power at the shouty end of the rev range. It makes its peak power at a relatively sedate 10,750 rpm, which is much more streetable.

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OMG, despite being the nerfed non-desmo version, this engine still pulls, with the thrust accompanied by a pleasant, throaty growl from the stock exhaust.

From a standstill, twisting the throttle keeps building power like a freight train till it tops out at 7,500 rpm in each gear, the devil on your shoulder (and right hand) urging you to keep clicking up on the shifter till you enter Lose-Your-License-Territory... which happened somewhere in the middle of second gear... so a few gears ago... 🤫

Me likey!

How do I get my mitts on the 240 hp V4R version...?

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Single-sided swingarm. Cool!
240mm rear tire on amazing looking rims. Phat!
4-barrel gatling gun exhaust... um... Cringe...

As the picture above shows, it didn't take long for me to discover the limits of the bike though. And it wasn't the engine.

The low-mounted foot-pegs gives the Diavel a very comfortable rider triangle, but the max lean angle tops out at a very non-Panigale-like 41°. Much too low to get a nice lean at speed, which I tried... several times, before finally giving up and just enjoying the straight-line cruising experience.

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Had lunch in Princeton, saw this flag, had to take this picture... :D

When I asked whether I wanted to take the Diavel or XDiavel out for a test ride, I was confused as to which was which. I had to sit on both before deciding that I didn't want to ride like the letter "C"... bent up like a paperclip, arms and feet stretched out in front of me.

Why are there two Ducati motorcycles with such similar names? The difference between these two bikes has had me confused ever since the "X" came out a few years after the Diavel debuted.

Turns out the XDiavel is the cruiser version. A little bit different styling, but the main difference is the feet-forward riding position. Don't like that at all. I kinda like the styling on the X a bit more than the Diavel, with its exposed trellis frame underneath the tank and no oversized, flaring nostrils angrily inhaling air, dirt and bugs. But I hate having my feet ahead of me in the gynecological position. If they could put mid-mount controls on the X, that would be my jam.

I think I'd classify the Diavel as more of a standard naked bike, with kinda cruiser-styling? Power cruiser maybe?

Like the non-motard Hypermotard, Ducati is into producing all sorts of class-defying, genre-bending motorcycles that fall in between traditional categories.

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Hey Mr. Diavel... Lookin' "Sharp!" Don't tell me you don't also check yourself and your ride out when you pass shop windows or shiny tanker trucks...!

Our ride takes us up and over the Okanagan Connector, a high mountain pass, which at 5700 feet, regularly sees snow in the middle of the summer. Temperatures dipped to single digits and this bike wasn't equipped with the optional heated grips.

Thankfully, every Ducati V4 motorcycle comes equipped with a seat warmer from the factory. It's called the engine...

I reach down beneath the seat every now again to direct some of that V4 warmth back into the hands. Pfft, why even bother dishing out for hand warmers?!?

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Another one of my favorite features, the cool tail lights!

The little T-bar at the end kinda looks like a spoiler, but is actually a passenger grab handle. It unobtrusively slides in under the pillion seat when not in use. Very slick!

Also, the buttons on the handlebar are backlit with red LEDs, to underscore the Devil-theme of the bike. Nice!

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Other random notes: Despite not being interested in buying a bike like this, I did spend quite a bit of time on it. Went for a long-ish ride - about 400 kms door-to-door. In that time, I had to fill the bike up even though the dealership supplied it with a full tank of the premium juice. And when I returned it, it was back down to half-tank again.

I think I maybe got a bit less than 300 kms out of its 20L tank! This thing is thirsty!

Or maybe I shouldn't have been riding at 6000-7000 rpm the whole way...? 👿

Dunno. 🤷‍♂️

The Diavel made me do it...

Also, super-low seat height. This is the first bike (outside of school bikes) I've ridden in years that I've been able to flat-foot both feet on the ground. And with a considerable bend in the knee as well. Weird!

Oh okay, the last feature, and I think my favorite one:

The whole ride, I was staring at this button on the right hand switch cluster. It was marked "DPL".

It stands for Ducati Projectile Launcher.

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SWEEEEEET!

It comes with rocket launchers!!!!

If someone pisses you off on the street, you can fire heavy-duty ordinance at them. Only three missiles available though. After that, I think you need to go back to the dealership and reload the ammo for the next ride.

Very cool. I like it!!! 🤣😂

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Totally enjoyed my time in the seat of a V4. Not so much the Diavel specifically, but the engine was super-fun

I've been a Desmo-lover for a long time now. Owned several Ducs, all of them desmo.

However, the writing is on the wall. Desmo is going away, especially for non-racebike applications. The non-desmo Granturismo V4 is in most of the streetbikes. The new non-Desmo V2 powerplant is going to be installed into all manner of Monsters, Supersports, Baby Panigales and DesertXs. Much as I rue the day that the majority of the Ducati lineup will be non-desmo, I get it. You do not need sky-high revs for the street. And my experience with my DesertX has shown that 114 hp is more than enough for the dirt. Low-end grunt is what most people need.

Fine. It's Okay.

It's FINE.
 
Haven't ridden the Duc V4 yet but like you I am curious. Seems they're all thirsty though and as much as I wanted to replace my Multi 1200S with the new V4S version it was the fuel range that kept me from test riding it ultimately landing me on the KTM SAR.
IIRC the Ape V4 is also a thirsty bugger so maybe it's a V4 trait.
 
I actually like the styling touch of the quadruple exit muffler.

I never understood how the XDiavel sold enough to justify its continued existence. But maybe it barely costs them anything to offer it. Something that puts me off about the Diavel (and maybe this is just a general modern Ducati thing) is that the owner's manual discourages you from doing any of your own maintenance, at all. Bring it to the dealer for a chain adjustment? Hrmm
 
As a previous owner of a Panigale V4(SP2), feel free to ask questions.

If I'm not mistaken the Panigale V4R makes that much power mostly due to the exhaust, which is an eye watering option on the non R versions. IIRC mine was rated for 237hp.

The motors are extremely thirsty, and when they run out there was no warning. A slight cough and that's all she wrote.

edit: oh yeah, and the reason i don't currently still own one is the heat. It's miserable as an only bike, quite a few levels up the other litre bikes i've experienced.

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They really got trust you to take those things out with no issues.

I had trouble taking out a CBR500R years ago.

Guess they can spot a baller from a mile away!! 😂😂😂
 
Haven't ridden the Duc V4 yet but like you I am curious. Seems they're all thirsty though and as much as I wanted to replace my Multi 1200S with the new V4S version it was the fuel range that kept me from test riding it ultimately landing me on the KTM SAR.
IIRC the Ape V4 is also a thirsty bugger so maybe it's a V4 trait.

Yeah, this is the first Duc V4 I've ridden as well.

They do know how to make the most of their lineup by shoehorning all manner of engines in the same chassis to fit any price point or use case.

Want an affordable Ducati or one that's good for commuting? Get the V2. Want one with more legs? Here's the same bike, but with a detuned V4. Wanna go nutz, money-no-object-fuel-economy-out-the-window? Here's one with a race engine in it and oh yeah, here are some expensive suspensiön bits we threw on it as well. We charge extra for the Öh...

I do like daydreaming of the latter halo models. They typically come out at the end of the model run just to spark interest as last-run special editions, like the Monster S4RS with the SBK engine in it. Or the ST4S with the SBK engine in it. Or the Multistrada RS... with the SBK engine in it...

So what if it gets 150 kms a tank?!? Yer not buying that model for the fuel economy!

Guaranteed there'll be a ~200 hp Diavel V4RS at this end of its current model run.
 
I never understood how the XDiavel sold enough to justify its continued existence. But maybe it barely costs them anything to offer it. Something that puts me off about the Diavel (and maybe this is just a general modern Ducati thing) is that the owner's manual discourages you from doing any of your own maintenance, at all. Bring it to the dealer for a chain adjustment? Hrmm

Do they sell less of the XDiavels than Diavels? Didn't know that.

As for taking it into the dealership for them to adjust your mirrors, yeah, that's a recent Ducati thing. All their models are like that. :rolleyes:
 
As a previous owner of a Panigale V4(SP2), feel free to ask questions.

No questions.

I just want to ride one.

On the track. :devilish::devilish::devilish:

Those SPs sure are nice. All the sweetest suspension bits without the stressed race engine bits of the R.

Was eyeing @reciprocity's (RIP) 1198 SP at Shannonville and he offered to let me test ride it for a session. :oops:

Was so tempted, but it was GP shift and I know I would have high-sided myself to Gananoque exiting the first turn!

If I'm not mistaken the Panigale V4R makes that much power mostly due to the exhaust, which is an eye watering option on the non R versions. IIRC mine was rated for 237hp.

Quite a bit of difference actually. The V4R engines are 998cc to conform with WSBK 1000cc maximum (for 4-cylinder bikes) homologation rules. Titanium everything inside the powerplant including, get this: titanium connecting rods!

whut.

The V4S and SP are 1103cc and made from less exotic materials. They can be larger displacement because they don't have to conform to WSBK rules. So similar power out of a higher displacement means less stress, means less engine problems. The non-R versions are the way to go on the track if you don't need to adhere to engine displacement rules.

R versions are for SBK racing or bling/bragging rights. Each team in WSBK is allocated six engines a season so they're definitely a wear item. Most street/trackday riders are only allocated one engine... which hopefully lasts the lifetime of their bike!

V4S rentals are a dime a dozen. Was actually trying to figure out how to get a test ride of a V4R on the track.

Was mulling over this:


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The DRE Racetrack One to One V4 R is the experience designed for those who want to enjoy the racing adrenaline rush and learn from professional riders all the secrets of track riding, to make the most of the electronic set-up of a supersport bike. An unrestricted track day, with Open Pit access, a highly qualified instructor entirely dedicated to the rider on a 1:1 relationship, an exclusive pit station and much more.

The experience is designed both for those who want to live their passion for the track to the full, and for those seeking the thrills of the true professional.

All this in the saddle of a Panigale V4 R, the red Ducati that competes in the Superbike championship. Do you feel ready to hit the track for the most adrenaline-filled experience of your life?

And hey! Only $8500 CAD!

But they do run it at Mugello. So... worth it, maybe? :rolleyes: not.
 
They really got trust you to take those things out with no issues.

I had trouble taking out a CBR500R years ago.

Guess they can spot a baller from a mile away!! 😂😂😂

haha, I just bought a DesertX from them a few months ago.

They totally shoulda let me test ride the Panigale V4R!!!! 😡 🤣
 
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