see if your local council or that help fund the pass plus. it may just be in wales but i payed 20 quid for my PP going through them insted of the 120-150 odd quid. insuring with kwickfit, they dont give discounts for it anyway, it was only the expensive firms that did offer discounts. what cover type you going for?? e car insurance were cheapest when i quoted them, but that was only on tpf+t.