This is how I do it in WI. I get the insurance in my name because the bike is in my name then I ask the insurance to add another driver to the policy. the rate of ins goes by whoever has the worse driving record.
I have done this for many years. My g/f rides a bike that is in my name or did. now it's in her name. also she had a wreck in a car that was done same way. no problem with ins at all and my rates did not go up because of it.
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