Thanks - I had tried the HIA site but got too many plans returned to compare.
I just had a look at the Laya site and the Flex 125 Explore was suggested. It looks as good as, if not better than, the VHI plan on the HIA comparison at a much better price. Just wondering if I'm missing anything.
Looks like its really the excesses are the differences so if a higher excess is ok, looks fine. Im never really comfortable with excess myself cos they can be impossible to get rid of them!