He had insurance, the repairs cost $4500, (around $3000 US id guess) from a minor tip over. Ive since fitted descendent off road tires, plus crash bars to mine, which i inherited second hand with damage, from a 950S that was knocked over by a reversing car. Yes the guy was a novice on the gravel, and the bike was new to him, and he had touring boots on, not really suitable for off road. I take my Multi off road all the time now, and its very good, but no match for my mates on their Nordens or 790/890 Adventurers. But i love the bike on the tight twist sealed roads. Couple more picks