Classic & Collectable for a Rover 45 TDi? Somehow I don't think so
The problem with choosing an insurance company is you will never know if they are 'decent' until you have to make a claim. In fact I'm not sure that the word decent could ever be applied to insurance companies
I would suggest doing the rounds of the usual suspects online for comparative quotes and make a judgement from there.
i always use a comparison site and pick one of the cheaper well known companies, i tend to change companies every year too as renewals are not competitive any more.