Sorry, but no. That is not a industry practice.
Always check carefully, make sure the shop people, or your seller
or whoever that person you talked to. State it down in
black and white that the amount you give them include what
stuffs.
There has been complaints or queries on the Singapore Bikes Forum
on these issues for newbies.
Whatever amount you drop as downpayment. Please have it stated
exactly what the amount is for and what it entails.
Some may later say: 'you say you buy your own insurance!' to 'who
says?' to 'No no! There is no such thing/law/rule!'
Or there may be issues where after you seen, agree to buy the bike.
Drop the deposit, People removes or changes certain parts of the
bike....like sport rims, end cans, box, engine guards and so on
etc.
Also make sure that you and the seller agrees on the ERP Units,
boxes & whatever miscellanous accessories.