Yeh, by law it should be done your way, but why bother?????? You're just throwing money down the drain. Insurance is a con anyway.
I had two cars earlier this year and i wanted to insure both, but only drive the crap one - so my zed was just sat on my drive... Because i told the guy on the phone that my crap car was now my main car, he wanted to charge me £75 a month more than if my zed was my main car - as i could only apply my no-claims bonus to my main car, which now wasnt the zed. I HATE insurance.