That's a very valid point. Also be aware of what insurance your purchasing from the rental place. Does it cover physical damage to the bike? If so wjat uis the deductibel? What about 3rd party liability for property damage or injury that you may cause to others? Also how about your injuries resulting from an accident.
Rob has some background and experience with Jamaican insurance. Perhaps he can provide advice. My advice? Get your hands on that insurance contract the day prior to renting and read it thouroughly. Then your in a position to make an informed choice. If no coverage exists for thgis or that, at least you know what risk your taking.