£400 Cheaper Gym Loophole: Works for Cannons/JJB Gyms Article Discussion

halil

teoanne wrote:

just go to the excess bit on the left hand side of the screen and choose the highest amount (i think its 1000, can't remember) and your premium will be automatically reduced.

dont see it anywhere

mobfant

halil wrote:

dont see it anywhere

You have to click on "get quote" first and on the next page you'll be able to increase the premium

mobfant

antoniomontana wrote:

has anyone cancelled their health insurance after the 6 months gym offer was over, was it straightforward?

This particular offer hasn't been going on for six months yet.

Little_miss_neat

My husband and I each took out this deal with Holmes Places last summer so we are nearing the end of our 6 months.
I am happy to continue with the membership. Does anyone know how this works? Is it automatic?

My husband however will want to cancel his membership as he just doesn't get to use it enough to warrant the extra £25 a month. Hs anyone already cancelled? Did they have to pay anything back? Were there any problems?

Thanks for your help!


(I know someone said this particular offer hasn't been running for 6 months yet, but these offers have been on and off for over a year, so just trying to get some wider info).

aston_007

wolfie007 wrote:

I've also been trying to get a quote and having problems with the second page where you can change the excess problem - guess they're overloaded?! does anyone know what the Cannons membership is - i.e. full on-peak, or off-peak with restrictions etc?

Thanks

Hi.

Just rang PruHealth sales and was told that you get Full Membership.
For my local Cannons, they would normally charge £56-£61/month - so a good deal in my opinion. :j

aston_007

It appears on the Next page.
Choose "Get Quote" and you'll find the drop-down box on the left hand side.

Traveller1981

If anybody is thinking about cancelling after 6 months, are yo unot bothered by this from the website. I cancelled my package straight away as I didnt want to pay £45 a month after 6 months for gym membership and private health care that I didnt want.

"All members who take up a PruHealth membership do not have a time limit set to them. While you do sign a contract it is not necessarily for more or less than a year. Members can cancel their PruHealth policies at any time and there is no additional charge or penalty fee for cancellation. The only payment required is for the period that members have health cover. However, if members joining have had access to a Vitality offer where they have received free six months gym memberships we reserve the right to ask members cancelling their policies to refund us the cost of these membership fees."

MoscowFlyer

I personally wouldn't join if your sole intention is to cancel after six months, they'll be well aware that a lot of people are going to try this and will have measures in place to safeguard against it.

mobfant

Traveller1981 wrote:

If anybody is thinking about cancelling after 6 months, are yo unot bothered by this from the website. I cancelled my package straight away as I didnt want to pay £45 a month after 6 months for gym membership and private health care that I didnt want.

"All members who take up a PruHealth membership do not have a time limit set to them. While you do sign a contract it is not necessarily for more or less than a year. Members can cancel their PruHealth policies at any time and there is no additional charge or penalty fee for cancellation. The only payment required is for the period that members have health cover. However, if members joining have had access to a Vitality offer where they have received free six months gym memberships we reserve the right to ask members cancelling their policies to refund us the cost of these membership fees."

Whereabouts does it say that? The actual policy t&cs says nothing like that - the only relevant section that I can see states:

"The policyholder can end the policy at any time by writing to PruHealth. The Policy will come to an end 30 days after receipt of the letter.

Pru reserves to itself the following rights:

a) Pru will cancel the Policy promptly on non-payment of premium, though PruHealth can, at its discretion, reinstate the cover if the premium is paid within 30 days of its due date

b) If any premium from the Policyholder remains unpaid Pruhealth may defer payment of any claims until the premiums outstanding have been paid in full.

c) The Policy may be cancelled if there is non-payment of an outstanding excess.

d) If the policyholder cancels, PruHealth may not reimburse the premium paid or waive the premium due."

Unless it says something else elsewhere, or if they can implement something that's not in the terms and conditions, I don't see what they can do. Nonetheless, even if it doesn't work out I'll be paying just £40 a month for gym membership that would normally cost a lot more and that I intend to use anyway. If my premium was £30 a month then I'd probably think twice about it.

TryingHard2Save

Does anyone know how much membership to Cannons would be if you are over 50yrs. JUst been on the Cannons website, but couldn't see anything to tell you. I seem to recall someone telling me that once you are 50 membership is cheaper.

Thanks