Ex company car driver with claim history

omp

My other half has just given back his company car - and we are about to buy and insure privately.
Against my advice - he made 3 claims for damage on the car on the company whilst driving it (3 no fault dents) instead of paying to have it fixed ourselves.
We've now got a huge insurance quote as he's now got zero no claims.
I won't go into just how angry I am with him :mad: but I'm too cross to think logically. How do we minimise the damage now it's done?
The new car is registered to him - but will it be cheaper to put me as primary insured on the car and him as named driver? (I had one fault claim last year although no money was paid out and have retained my no claims with esure (11yrs worth) as I protected my no claims.)

I suppose that means my insurance will go up now too - as he is a named driver on my policy???

InsideInsurance

The main driver has to be the declared main driver, by default it is the policyholder with most insurers. By intentionally misdeclaring it to be yourself to get a lower premium is fronting and form of fraud.

If the incidents happened then legally they need to be declared irrespective of if a claim was made or not - though I doubt any insurer believes anyone truly declares every minor supermarket door opening dent etc.

omp

Thanks - just to clarify though...
I would be declaring his claims - but would hold the policy myself. I don't have any intention of hiding anything.

Would I need to be the registered owner to be the policyholder too? We both drive the cars equally (married, same household) - we were just going regisiter this one in his name as our other is already registered to me.

InsideInsurance

In terms of vehicle ownership, Spouse/civil partner is rarely an issue. Unmarried/ non-Civiled Partners are not often an issue but slightly more commonly one than married/ civil partnered

If you have both in your name and him as a ND on just one insurers may start asking questions if he has an accident if you do really drive both cars more than him. That said, fronting is much higher on the radar of insurers for parent/ child combinations than partners