I have my mk2 XR2 with 46k on the clock insured with Footman James on a classic policy so i dont accrue any NCB on the policy(you dont on classic policies)but the main driver has to be over 25 years old,but i have full NCB on my BMW car that i use everyday..i am 36 years old,HGV driver and the car is only used as a show car so mileage is limited to 3000 per year...it is fully comprehensive with breakdown cover,garaged with an agreed value of £3000 but i cannot use the car for commuting to and from work,it has to be solely used as a show car and i pay £78 for the policy.