What is the best 4 a husband & wife with 2 car

delbay

Hi

I wonder if you can show me the best way to insure my car. Today is its renew date and I'm not sure what to do! (might sound stupid

Here is the situation:

We have 2 cars which belong to each of us.
His is insured under liverpool victoria(exp: August) and mine under Tesco. (expiery date: tomorrow!)

Both cars have been insured under the owner's name with the spouse as a 2nd driver.

He always uses our family Ford Mondeo car(owner: me) to go to work and I take his(the cheapest & smallest car) for going shopping!
We both had a 9 year no claim discount before an accident:
My husband had the accident driving my car on his way to work. As mentioned, he was covered as a 2nd driver under my insurance. Tesco says it had some effect on my insurance premium, too!!!

NOW:
What's the best and cheapest way for insuring the cheap car? Same other car insurance company(Liverpool Victoria) or renewing Tesco insurance?

Should I insure this car under his name as his second car and put my name as a second driver?(I rarely drive this car although I'm the legal owner.)

Or as before insure it under my name and add him as a 2nd driver?

Please advise ???