So just to update, u-k-insurance.co.uk brands Direct Line, Churchill, Privilege all accept claims history letter for NCD, whats better doing a quote online lets you select Motability for your NDC. if need be, you can select modification and just tick due to disability.
On like for like on the main things
Adrian flux want £484 , plus 500 on a claim
Churchill £312, plus 400 on a claim , and some other add ons included that you don’t get with AF