What am i saying there?
Well, in post 6 of the thread at http://www.gtamotorcycle.com/vbforum/showthread.php?t=109613 you say:
Yes i understand. Its only going to be a Ninja 250R and my dad would get his M2 in a couple weeks so it sounds reasonable to me. Of course he'll be riding too but he drives to work so i'll be taking it for school. Although i know that you have to inform the insurance company but how would they find out if its garaged at my house during the weekdays and his over the weekend?
I think that sums up pretty much what you are trying to do. I also think that some would call it insurance fraud.