The small print in my insurance policy says that I'm insured to ride other bikes, but that insurance will be treated as TPO. Also, the bike must NOT be insured by any other policy that allows other riders. If this is the case, my policy has a clause that states I'm not covered to ride it, and must claim from the cover on the bike (since it's insured for other riders).
Also, since my insurance is TPO, it's not covered if I set it on fire, or park it & it gets stolen.
I don't know if parking on a public road without insurance is an offence, but as we all know, riding/driving on one is.
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