I did a quote on the HIA website and got 1267.80 for Simplicity. My renewal is 1/1/20. I'm away for Xmas, so decided to do it over the phone. I contacted Laya and they did the monthly price of 117.63 which equates to 1411. I didn't cop the difference until I went through the docs they emailed me and the monthly amount was higher than expected. I rang them today, and they say the price is increasing in January. Not particularly happy, but not sure there's anything to be done. I will look at other schemes as I'm still in the cooling off period. The day to day excess is 100 per the quote BTW.