So the person that rides it the most is insured as primary? Guess it doesn't matter if they told you its fine. Congrats on the deal.
come on man, we're being raped by insurance so bad.... Some times we can play by their rules to our advantage.
Its not fraud, its fraud is when you insured your bike at another location.
Talk about stupid rules, ever insures 2 bikes or multi vehicles? they magically assume we can clone ourselves.
Now do you protest them can call that fraud?