I need some advice on this year's renewals.
Now firstly on my own I was on Laya Simply Connect and happy enough with it but reading threads here I have decided to switch to Laya Simplicity which for a few quid more is giving me better cover especially on the day to day stuff, good move?
Now the bigger problem is another family member, I got good advice here before and went with Glo as she had baby but free kids seems to be gone and the Net Most plan that was 1,195 last year for both of them is now gone to 1,355 for her and 230 for 2 yr old. To add another layer to it there is another baby due within couple of weeks, renewal date is 1/12 with Glo.
My first thoughts are actually that the Laya Simply Connect that I was on is better value than the Glo Net Most in this case and there was quite a few physio type costs through the year and only got 25 back due to excess etc, would get more back on Simply Connect. Is there any other plan I should be considering for an adult, 2 yr old (3 in April) and new baby which should be here before renewal date so free to first renewal could be mighty bad value!
Any info much appreciated, I have gone through HIA but too many to compare, rang Cornmarket and they are suggesting Select More with IL but I think the Laya one is still probably better value wise.
Now firstly on my own I was on Laya Simply Connect and happy enough with it but reading threads here I have decided to switch to Laya Simplicity which for a few quid more is giving me better cover especially on the day to day stuff, good move?
Now the bigger problem is another family member, I got good advice here before and went with Glo as she had baby but free kids seems to be gone and the Net Most plan that was 1,195 last year for both of them is now gone to 1,355 for her and 230 for 2 yr old. To add another layer to it there is another baby due within couple of weeks, renewal date is 1/12 with Glo.
My first thoughts are actually that the Laya Simply Connect that I was on is better value than the Glo Net Most in this case and there was quite a few physio type costs through the year and only got 25 back due to excess etc, would get more back on Simply Connect. Is there any other plan I should be considering for an adult, 2 yr old (3 in April) and new baby which should be here before renewal date so free to first renewal could be mighty bad value!
Any info much appreciated, I have gone through HIA but too many to compare, rang Cornmarket and they are suggesting Select More with IL but I think the Laya one is still probably better value wise.