Great photo Dave!
My dad was an IAM member for years and used to do the assessed drives that help you to learn which bits need attention. Very worth while although I've never got round to trying it myself. The Roadcraft manual is well worth a read too, especially the section regarding limit points
Re. insurance discounts, some insurers still offer a discount, but it's never been all that high. If you shop around and plump for an insurer or broker online, try giving them a ring if you are a member of the IAM - they may still be able to shave a bit of your insurance