Because VHI are doing half price kids from July 1st, I decided to have a two week break in cover before renewing on July 1st, with my kids now at half price.
OK, heard back from the HIA. VHI are technically correct. They are "taking advantage of some bad wording in the legislation" according to the HSA (legislation refers to 'another provider' when discussing the 13 week grace period) - so they are obeying the letter, but not the spirit of the law. They will also force you to stay on your old plan if you do not change within 14 days of the original renewal date. Very anti-customer service by VHI. Note that VHI are apparently the only ones doing this - the other companies do not apply such restrictions in practice.
Tell me are you expecting that you are covered during those 13 weeks? Because if you are then in my books, they are absolutely correct in charging you for that period if you decide to renew your policy, otherwise they should be treating you as a new customer.
Try reading my earlier posts. Of course I don't expect to be covered in those two weeks.
I know we've used the 12 week period to our advantage in the past but I can't recall if we changed provider (though I do know that we changed the main policyholder at some point).
I think it was a fair question. It's not clear how Nige used the 12 week period to his advantage in the following
Try reading my earlier posts. Of course I don't expect to be covered in those two weeks.
My point exactly. I don't want to be a customer for a few weeks, but they won't let me!Sorry I confused you with the original OP.
But none the less, you are either a customer or you are not - if you choose not to continue cover regardless of the period, you have to terminated the contract and consequently you are not a customer.
Insurers are legally prevented from offering discounts to specific customers. Everyone pays the same price for the same package.If it were me, I try and see if they will not give you some kind of discount in recognition of your customer loyalty and the fact that you are so close to the deadline rather than looking for the exact offer that is coming up. It is very easy for them to say No on you not meeting the exact criteria, but perhaps there is something else they could do in stead. Worth a try - all they can do is say no.
My point exactly. I don't want to be a customer for a few weeks, but they won't let me!
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