I think you might have misunderstood what your agent said to you.
I'll just answer your direct question. If he already has a policy with state farm and is just adding "his new bike" to it, they most likely won't require an M license (I know for a fact they didn't for mine when I went this route). If push comes to shove just get your father to go write the M1 test for $17, that's it, done, finished. He never has to get his M2, M, etc.
When you go to the ministry to transfer ownership to him, he will have to be present, or at least provide you with a letter of permission allowing you to register a vehicle in his name (photo copy his license on the back of the letter). When transferring it as a gift (so you don't pay tax) the MTO has special requirements:
http://www.mto.gov.on.ca/english/dan...used.shtml#tax
http://www.forms.ssb.gov.on.ca/mbs/s...File/1157E.pdf
You will need to get the above form notarized by a Commissioner of Oaths. Some MTO offices have them on-site, call and ask. If not there are some places that will do it for free (Legal Aid office at the Oshawa Center is usually where I go). Your father will have to be physically present when the form is notarized.
Your dad must list you as the primary driver of the vehicle when he adds it to his policy otherwise it's insurance fraud/illegal. The insurance won't be much/any cheaper with you listed as the primary driver, unless he's able to take advantage of multi vehicle discounts, etc.
If you DON'T live at the same address as your dad and
you don't have a problem with insurance fraud there are cheaper options than what I've explained above.
-Jamie M.
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