No insurance required because the financing involved is not like a vehicle loan. It is considered revolving credit. Just like a department store credit card. Interest rates of 16-24% are not uncommon. Yeah, you better believe they are going to make their money one way or another.

And if you wreck the bike, you're still responsible for payoff at that high interest rate. Is it worth it?

I think the last issue or so of SportRider magazine had a great article on the fine print of motorcycle financing/insurance. Highly recommend you read it. Uncovers those hard to resist $39/month deals too.