I recently switched from LAYA to Aviva B fit 30 which suited my personal circumstances, so don't take my advice. What struck me was the vast array of options on the hia website when trying to research a plan that met my needs and pocket. In the end I gave up and rang two brokers in the field, Cornmarket and Lyons Financial, I went with Lyons with Aviva in the end. It cost no more than going directly to Aviva. I suggest you list out the cover you require, ring both and see what best options suits you.