I couldn't afford full coverage and this is my first bike with fairings. I usually ride everywhere if the wife isn't going and I don't need hauling ability. My last bike went down in parking lots twice, once from being hit the other from I dunno what. Each time only cost me about $40-60 because it was a dirt bike. No word from the driver either time. Just come out to bent bars and floppy mirrors. Bike theft isn't big here, but neither is respect for the property of others. Now any time I go anywhere public all I can think about is coming back out to my bike on its side with shattered plastic. Work has cameras facing the lot but everywhere scares me. How much are you usually in for if your bike is pushed over or bumped in a parking lot? I do have frame sliders.