[unfoundnemo]

My dealer doesn't technically offer valet, so when I have had it done, it was my trusted SA picking up and dropping the car off himself.

For a larger dealer... unless they have a dedicated valet staff, they likely just have their recon guys doing the pickup/dropoff as their normal duties could wait more than any other staff in the building. I'd imagine they have a good system for covering seats and such, and they're in enough cars every day that I wouldn't worry about a joy ride unless you had something special, but you're talking about a low-wage employee that might curb a wheel, drag a rough boot across your door sill, etc.

I would worry about those little things more so than potentially getting in an accident. Insurance will cover any real damage, but it's hard to prove that the dealer gave you some curb rash, and you're the one that will have to live with it in the end.

Granted, I don't like driving loaners myself... mainly because my servicing dealer doesn't have a ton and I don't want to be driving around in a stripped down X1 or so. If I'm in a pinch, I'll see if my SA has time to swing by, otherwise, my dealer happens to be 1.5 miles away from my house, so I'll just drop it off and go for a walk or something.