insurance for different tow vehicles - three prices

Tell the insurance company that you are selling the Micra and you want to swap the NCB to the Discovery. Then insure the Micra without a NCB for peanuts.
Try Saga for 4X4 Insurance.
 
I think that's pretty much what I said in post 13 :)

Sorry I did not wait to read all the posts.
However may I add that having worked in both the Motor Trade and for an Insurance Company and had various claims over the years some of which involved arguments between loss adjusters and loss assessors one thing which I try to do now ensure that my boat and trailer are insured by the same insurance company which insure my car.
I insured a boat (with trailer) last week and was reminded by the Insurer that while the boat is being towed it was not insured on the boat insurance but would be insured by whoever insured the car.
 
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