Either way. If I was misinformed or misunderstood the best thing to do in any case is to contact the insurance company and verify any concerns you may have. Ask for the answers you receive in writing.
Hey I'm just saying what my insurance told me. So long as the owner of the bike has insurance, and you don't have any, it goes under the owner of the bikes insurance. You can then transfer it onto your car insurance
Might as not bother going on your moms insurance and just ride the bike anyway. You'll be covered under her insurance if something were to happen. If you had your own policy on something else you could transfer if you were found at fault in the accident
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