You cant legally ride either of those bikes here as a learner... Ayway mine are insured for more than I would get for them if I tried to sell. It would be only bad if they didnt fully smash it. Even hen its like oh well. My brother smashed my 250 ninja, as a noob years ago when he borrowed it. We worked out a deal to pay for it , I have lent his and he has lent mine lots of times since. People get worked up about bikes but they can be replaced. They are there as tools to have fun, one way to have fun with them is to trade for other bikes. To have a rule that you dont lend out bikes seems to be cutting your nose off to spite your face.