Be careful with Adrian Flux, I was with them two years and had a nightmare switching away from them, wouldn't issue my NCB, Direct Line were first class in sorting them out but this cannot get near on price which was a shame.
I'm sure the NCBs on mulitcar are seperate so no worries if you prang your car, you're missus won't lose her NCB!
I've just lost my NCB even though my partner was driving it was my car so the claim is on the vehicle apparently
But still Admiral are coming in by far the cheapest to insure both our cars - and that's with a MAHOOOOSIVE claim two weeks before renewal