thanks SnowyB - I signed up to another laya plan just now but I will study these in more detail when I get home tonight - i have the 14 days cooling off so presumably I can switch plans in that time if I want to. I really need to think a bit more about it I feel rushed by the deadline. Thanks very much for the detailed advice above
You can switch within 14 days but as was mentioned to me by an agent, when I asked,some/most, if not all plans, are increasing in price from tomorrow, so you may be caught that way. Sorry. It was something I was also thinking of until I asked an agent and he said, yep, they are increasing tomorrow, seemingly across all insurers. Please do not take it as gospel though, he may have been wrong, or I may have misinterpreted.
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