Well, I guess everyone has different experiences, especially depending on their particular circumstances and what they want to cover.
Before I started building my 3Sixty, I phoned around looking for a quote so that I could drive my donor as an MR2 for a few months, then get cover during the build and afterwards as a 3Sixty. All the companies said no - "you need to do this, that or the other" / "you'll need different policies" etc. When I spoke to Adrian Flux the girl as first said she didn't think that was possible, but she checked with her manager / underwriter who agreed they could do that, all on one policy, but it would be good if I could let them know when the car was completed. Hence I became a customer of Adrian Flux.
I phoned around again when my renewal became due just a few months ago and for my set of options (including agreed value of £29K) Adrian Flux were again less expensive (but only just!).
However I'm guessing with the deal that DNA are negotiating on behalf of DNAOC members that Footman James would actually be cheaper! Oh well, it's only for a year, I can always change then.
- tenpin