Well as the bike is insured not the rider, if someone lends you theirs you're insured on their insurance (assuming they have any) you don't NEED to do anything, although if you're going some distance you might get them to write you a little note saying they've lent it to you.
If they rent it to you though you wouldn't be inured unless they're a proper rental company with the appropriate insurance.
If you google Location Moto Toulouse, you should get plenty your friend's sister could have a look at.
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