This is a very tricky question. I know that on car insurance, you have to have a stipulation in your coverages that says you are covered under any vehicle, even if its not yours. This option costs more but its cheaper than having to pay outright if you wreck some1 elses car. AS for motorcycles, im sure that there is a stipulation limiting you to your own bike. But, im not totally sure, just call different insurance agencies and ask them questions. That's the best way.
Tandem bikes have the potential to be faster, but it is eventually all down to the riders. For good riders on reasonably flat roads wind resistance is quite a limiting factor, and two riders on a tandem will have less wind resistance than two riders on two separate bikes. Still, the difference isn't that big, so a good solo rider will be faster than two average tandem riders.
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