Info please re insuring 3 cars.

Hi all.

I have 2 cars on the road, they are in my name and I am the main insurer with my Husband as a named driver.

I am toying with getting a third car but I am really confused regarding the insurance.

I have just had a sniff online and because I am keeping my 2 cars am I correct in thinking I would essentially be starting from fresh with the 3rd car? Ie declaring no NCB?

Then there is the next question which they ask and it is "Have you been a named driver on someone else's policy?"
Well technically no but I have millions* of years of accident free driving in my own cars on my own policies and being an ex Driving Instructor it feels odd saying "No"

Also because they see me as a 'new' driver they don't seem to want me to protect my NCB (which I always do)
So if I had an accident in the 3rd car would this then mean I could potentially lose on my other policies?

My tiny pea-brain hurts, help please

*Figure may not be accurate.

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Info please re insuring 3 cars.