The garage clause has been recently introduced and is based on the value of the car. From memory the threshold is about £35k so most M3Ws will now be above this. I haven't investigated but think this may only apply to our classic car type policies. If you can get a regular car insurance then it presumably won't have a garage clause but could well be more expensive.
At my last renewal I tried about 5 insurers only 3 of whom quoted and all had the garage clause. One was about double Headley/Finch and G&W who were within £20 so I stayed with G&W.
