In a large saucepan, melt the coconut milk and chocolate chips over medium heat, stirring pretty regularly. When the chocolate chips are melted, slowly add half and half and the milk. Start with 2 cups of the regular milk, and add more to taste, and depending on if you like it a little bit thicker, or on the thinner side. Heat through.
In a large skillet, toast the sweetened coconut over medium heat--stir constantly with a wooden spoon until they become golden brown. It doesn't take long!
To serve, top the hot chocolate with whipped cream, toasted coconut, and chocolate shavings.
*If you want it to be richer, add more half and half and less milk.
Keyword Christmas Drinks, Christmas Recipes, Coconut, Hot Chocolate