Usually, the cover is discovered when a claim is filed. If the named driver was responsible or was even right behind the wheel during the collision, your provider could initiate an investigation. The façade will most likely be discovered when a claim is made. If it is the named driver who is involved in a collision, for example, an insurance provider can initiate an investigation.
A common example of a cover is that of a father looking to get car insurance for his son who is starting college. Being in the front end is when someone insures a car with themselves as the main driver, but doesn't drive most of the time.