You mean if you report it?
To whom were you going to say that?
You can't lie to an insurance company. That is unlawful although I suppose that it is not fraud because you would not be covered if you were consenting.
In any event, if you were consenting to him driving they would not pay out as he was driving unlawfully.
They may make a report to the police and then you would be at risk of a prosecution for permitting no insurance which carries 6 points and a fine although that is not likely to happen.
Can I clarify anything for you?
No, but if you don't they could report it to the police as a permitting no insurance although that is not likely.