If you know someone is fronting, is there anyone you can contact, or do I have to bite my tongue and enjoy increased premiums all round?
When they have an accident, they'll be found out.
How?
Call 999
depends on the age of the driver, if its his/her first year of motoring, after passing the test, then i dont think its to much of an issue to be a named driver, but basically be the main owner
Don't be a grass.
We all know people who do it, it's between them and the insurance company.
They'll just find another reason to charge ridiculous amounts for insurance, it won't affect your policy at all, learn now, insurance companys are greedy and selfish.