Well I just bought My insurance with A-plan Paid Up front, Got a good Quote, (Better than your renual, no Points, But a *50 day ban*, no mods) and I had the option of Pay at once, Pay in 4 instalments direct to A-plan, or pay in 9 installments to a finace company, although if you do the 9 installmnets, then you have to pay 20% plus interest...
and Gary couldn't touch thier quote. and I tried Privilidge but for the model of tracker that ive got They wont insure for theft...