Why buy a new japanesa bike that is worth thousands less the second it becomes yours instead of the dealers?? If your finances are such that you need to worry about GAP insurance then do yourself a favor and buy a used bike for thousands less. A used bike makes a lot more sense for folks that are up to their ears in debt than these same folks adding to that debt by having to buy that over priced new vehicle. Just ask yourself how can that 1 or 2 year old bike with under 6,000 miles be 3 to 5 grand less than that new one. It's because that sap selling it absorbed all that rapid depreciation, and better him than you.