The facade of car insurance will most likely be uncovered when you file a claim, the reimbursement of costs incurred by your insurance provider, the more expensive premiums in the future, the refusal of insurance companies to insure you, the prosecution for fraud in car insurance. If you have a designated driver on your policy, you've probably heard of the term front. Forward driving refers to when the designated driver, who should use your vehicle less than you, uses it as much or more. According to Action Fraud, the cover is when someone claims to be the primary driver of an auto insurance policy when they're not.
The facade is a type of insurance fraud, which is illegal and can lead to criminal convictions. It's not the same as adding a designated driver to your policy.