I’m new to all this classic car insurance thing, but I just had an AMAZING quote from Footman James (£235) on my MK1.
The only thing that seems weird is that they don’t use your no claims bonus and after 3 years it lapses, which can’t be good as it’s taken me 7 years to earn it.
Is the idea that you’ll use your no claims bonus on another car in your name?
That is what I do, and handy as my car was stolen last year so starting an extra policy I need to declare the claim. But this policy avoids that need.
Regards john
Yes. The general idea is that you have another car that is your main car/daily driver and you earn NCB on the insurance policy for this car. The car covered by the classic policy is supposedly a second car that sees occasional use.
Having said this, my Roadster sees limited use nearly every day, subject to the 5,000 miles/year limit on my classic policy.
You can always insure the same car on the third year instead of the clasic policy im told when i took my clasic policy out.
Well we do have another car, but it’s in my partners name and she will obviously want to keep her no claims too. Maybe I buy another car in that case 
whoopeeeee another 5 ??? 
Make sure you get your proof of no claims in writing from current insurer.
Then take out FJ policy, have cheap insurance for 2 years, third year take out a normal policy.
At end of year 3 you’ll get another letter with proof of no claims, then go back to FJ for 2 years.
Or buy another car.
Yep, good thinking Jack, ill do that!
Would be nice to get another car though, maybe 3 is too many for a 2 person household? But i’m thinking Mazda 6 MPS 
will put it past the Mrs haha!
We have four includes two 5’s, try Adrian Flux I have all four with them and transferred my NCB from individual policies to all the new individual policies, One 5 is Classic car with Guaranteed value and limited mileage the other 5 is limited mileage with all mods declared and the other two are standard to insure.
If you have more cars than drivers then it may work out cheaper to put them all on a multi-car policy.
Richard Egger can arrange multi-car policies and their quotes for individiual Roadster/MX-5 policies can be very competitive.
My RX7 is on a classic policy, I thought they would only cover you if you had a second car, but apparently not.
I tried that, their multi-car policy worked out more expensive than having all four cars and both bikes insured elsewhere.
In that case I may enquire about the possibility of reverting insurance on our “main” car back to the wife before she loses her “frozen” NCB next year.
Why isn’t insurance simpler? It eats up so much time and money and money, and all we really want is to not lose money if someone else hits us or steals our car.
Footman James do a multi car policy that a friend found very reasonably priced including modern cars at high mileage allowances, but he does have 6 cars. My opinion of them has improved in recent weeks, just insured another car with them, unlimited mileage because it’s over 30 years old, european breakdown etc, £170 comprehensive cover.
We just have 4 between the two of us, have classic policy on 2 of those, so not really worth moving the other two, plus they are accumulating NCB for us and we need the higher mileage allowances of modern car policies and it would require us to be far more organised than we actually are.
Jack.