Had this recently when we wanted to insure the micra and Saga did'nt want to let us use the ZR's 20 years so it was %^&%$ expensive.
My view is a policy & risk is with a person not a Car ? you only have only backside
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in Our case I got so cross about it I wrote a snotty emai to saga's CEO, and surprisingly got a reply , saying if we insure at the current rate this year we can use the BIG NCB on boths cars next year.
I even managed to haggle over 100 off the original silly quote..
We will see if they stay with their promise next year.. they had better !!
C