my main driver is a t sport for racking miles onto with the s4 as a toy

best quote I have found is with Elephant as I effectively have to go back to 0 ncb's rather getting any credit for the 10 years ncb I have on my t sport and that I will only be driving the s4 less than 5000 miles per annum.
anyone had a similar situation ? how did you handle / get a better price?
thanks