I got 1.9 for Quality Plus plan. I guess you just take the
highest one for a guide. In case it is really 1.4, you will
benefit. I think it should be that big a different because I heard
that insurance is dependent on your age and license's age. Unless
you are getting high-performance car, then it should differ much
between cars.
As for the club, some folders like "Kelisa related", "Meet-up",
only the higer level members can reply. I usually use the general
folder. That there is 1 confirm members folder, which you can only
see after you are a confirm member. To confirm, just come for 1 of
the meet-up.