Really?
I'm not disputing that insurance companies do send investigators around to people's work places and neighbourhood (I've heard it done before) but it isn't exactly concrete proof? For example my mother and I are considering sharing a car. She works part time locally (within walking distance) so she doesn't need a car most days, unless she is going on a course or is running some errands. I drive to work on average about 3 times a week, so ask my work place about my usage? "Yeah, Josh drives in most days". Ask the neighbours? "I see the young man in that car most of the time". Case closed, I'm fronting because I'm seen to use the car the most, right? No. I work a whopping 4 miles away each way, that's an amazing 24 miles that I'd rack up each week. My mother can topple this figure easily on a day of her 'running a few errands'. She'd probably use the car most of the time on weekends as well, and that's not even account for the trips she'd do to see her mother 250 miles away, each way, 3-4 times a year.
Surely the main driver should be the person who actually racks up the most miles in the car. Asking "Who do you see in it the most" doesn't even remotely answer how many miles each driver does".