It took a good few years of planning, but decided to use the 2year no claims retention limit to my advantage.
Basically only had one main policy under name Michael Hunt... when renewed did it under name Mike Hunt.
Then on year three renewed for Michael Hunt using year 1 policy. (They did query this, but accepted it without much issue)
Then on year four reverted back to Mike Hunt using year 2....
That that gave me two full NCD's on two separate policies,
Never actually thought I would use it to insure two cars at the same time, it was primarily a "sacrificial" policy I could use to teach my son to drive, and possibly insure on his first car. He's shown ZERO interest in learning to drive , so now have a small fleet of cars that I can swap between as needed.
Another side suggestion is Direct Line allow you to add an additional car to your policy for up to 90 days in the year. (I think the dates are correct)
They will mirror your NCD on main policy which is useful, you just have to check the reasons for the extra cover. Some aren't allowed.
Also Classic car insurance can be an option dependent on age of car.
See a couple of pop ups saying responses added as I was typing, so apologies if this has already been said. Just cant be arsed to type it out again/amend it.