Perhaps you could insure a fictional car?? I remember a few customers used to do it twenty years ago when I worked in insurance, just to keep their no claims up . Not sure about the legalities these days, but something like a 1980 Citroen 2CV, insured TPO. Personally I found Direct line and Aviva very uncompetitive this year, even with cash back offers. I usually use brokers, but my last 3 cars we all modified so the mainstream insurers were cheaper this year. We have my partners car with Admiral but to add my 6 for 9 months was 80 percent of what I paid with Hastings on it's own for a year.