Similar quandary here. VHI for me, the OH and the 4 kids costs 210 per month. Whats more VHI inconveniently debit the funds the day before pay day and when I queried this before to change it they said they couldn't do anything about it. While the latter is an administration issue its still irks me and has a bearing on monthly cashflow. Much better for these things to go out nearer to pay day. As it is it is on their terms not the customers.
In more than 20 years of being a VHI customer I've put in one minor claim for a sports injury. Thats all. In terms of risk / reward I'd happily do without and use the money for other things. My OH is loath to give up our cover fearing delays / increased cost if we ever went back on cover. I'd face that problem if and when it comes up. For the moment the monthly payment is simply too much and liable to go up further.
Anyone else in the same boat of liable to give it up?
Patrick,
Could you please advise what is the best value plan out there (by increasing excesses or whatever) for a family with 2 adults & 3 children under 11?
Thanks.
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