I think my friend is (unintentionally) committing insurance fraud

Longtime lurker, first time poster. I had a conversation with a friend this weekend where I razzed him about being an awful driver. I told him he was lucky his insurance didn’t make him use one of those plug-in monitors for his car, because he’d be dinged for speeding all the time. He said he actually does have one, but figured out a “loophole”. He almost exclusively drives his car, the vehicle listed on his insurance policy. However, he also owns a motorcycle, which in Florida (he lives in Orlando) is not required to be insured, so it’s not on the policy. The monitor is plugged into his motorcycle that he rarely drives.

In his mind, this is a great way to keep his insurance rate low. In my mind, this feels like fraud, and I feel like any minor fender bender could be disastrous when the insurance company inevitably finds out about the switcheroo happening. This concern is falling on deaf ears. Is this actually insurance fraud, or am I overly anxious about him outsmarting a company that’s almost certainly overcharging him anyway? If it is fraud, what sort of consequences could he be looking at if it’s discovered?

Again, he lives in Orlando, Florida, USA. Not sure which insurance carrier, but I’m assuming one of the large national chains. I’m less concerned if he’s violating their company policy (which I know he is) and more concerned if he’s breaking a state or federal law here.