Yes insurance FRAUD is one way to go..lol of course if you get caught they won't pay out on any claims you make. Plus good luck finding insurance, (if you think they want a lot now), just tell them oh yes I have been canceled do to insurance fraud..lmao
Not sure why people think advising someone to cheat the system and risk it all is a good idea. Lets say your unfortunate like the rider on Yonge a few weeks ago get in a collision and your bike hits and seriously injures a pedestrian and you have NO coverage. You will be paying for the rest of your life. Also under the scenario presented, your "dad" would also need to obtain his M1 licence then his M2. If you get in an accident with the bike say in 120 days they will check. Ooops dad has no motorcycle licence yet he has the bike registered and insured to him, and you had "borrowed" it to run somewhere. Just HOW stupid does everyone think insurers are???LOL.
It is painful, to have to pay these type of premiums but we all had to do it when we started to ride. Perhaps for now a car is a better option. Get you G then in a few years you'll be over 25 and have had your g for 5 years then get a small bike, (125 or 250), to start and you will have a few more options of companies to choose from.