to updated, i went to confused.com for my insurance and went with M&S with a quote of £340, this quote was based on my 9 years ncd that i thought i could use, there was no question asking about any other insured vehicles, when i went through it again with zero ncd i was getting £600+ quotes.

this morning i went to compare the market, sergei asked if i was named on any other policy and if i had any ncd on the other policy, i says yes - 9 years and the cheapest quote was just over £400

i dare say M&S will want more than £60, wish i hadn't paid in full now!