Red Pennant, Discount

Today I received a letter from the Club reminding me that my annual multi trip is due for renewal. I was wondering this year just to book single trip just in case we decide not to go in the Autumn. However the letter states that I will be entitled to a 5% discount if I renew now which makes it better value.

We all know that RP is quite expensive (depending on how you judge that) and I have wondered whether the Club should offer it on a monthly premium as they do other insurances policies in order to spread the load?

David