If your mom bought 2 cars and insured herself for car A only and you for car B only. Then if you swap cars, neither of you are insured. So when you have an accident driving the car which your mom is insured for, a claim cannot be made. In fact you are trying to commit fraud by trying to make the claim.
CTWUG - MWEB uncapped - 2500K - Dual Xeon E5320 - N40L
Car insurance depends on the risk profile of the individual. Does the same apply for cellphone insurance?
Not sure the analogy applies.