This is a bit complicated. I have 4 children, my husband and 3 children are insured with Quinn essential starter and myself and a newborn are covered under aviva hospital level 1. The renewal dates are different, one in July and one in August. I see that VHI are offering free cover for children with their one plus plan until 1st June, so I was wondering would it be better for me to switch all of us to this?, how would we switch? would we lose out by switching insurers early? or would we be doubly covered? This has been our first year insured with Quinn and Aviva so we won't be a full year covered until July and August.