I've swapped bikes with a few of my friends just so they can see how a real bike rides. I would be very reluctant to loan it out, but I do have a few friends and relatives that are that close and I wouldn't hesitate to loan it to them. They are good enough people that they would never ask though. I do carry insurance if anything was to happen we would just file a claim and get HER fixed. Yes my bike is still a girl.:skipping