Free VW insurance can't protect NCD. Options?

[CardinalFang]

Hi PH-ers,
Good news is that Mrs Fang will be collecting her new VW Up (3dr, silver Move UP auto) on Saturday, which comes with a year's free insurance.
Bad news is that I've noticed the policy doesn't include no claims discount protection.
VW offer no flexibility: we can't pay extra because it's a standardised product.
So...
Either I reject VW's kind offer, sort my own insurance and hope that they make some reduction in the PCP. Not a deal breaker if they wont.
Or, I find another insurer that will just cover her NCD (10+ years). Having googled the latter option & spoken to Direct Line, this doesn't seem possible. Direct line advised they thought it was illegal to not have all the components of a policy through one provider...
Would the learned members know who could provide this add-on independently?

Many thanks.

[CardinalFang]

Blue, Twig,
Wasn't aware of this, so many thanks for the info.
Much appreciated.

[CardinalFang]

Apologies for bumping my own question, but could anyone on here confirm the above advice, or otherwise?

Much appreciated.

[CardinalFang]

so, consensus is that Blue & Twig are correct - get confirmation that my existing NCB won't lapse, don't use it on the freebie and save it for when I need a policy? Correct, or am I missing something..?

[CardinalFang]

Ok sorted. VW were happy to change the policy to reflect 0 NC & I'll get the confirm from the current insurer. No kids or bar fights to report...Thanks all.