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They are relying upon the contract law scenario of "mistake", which means if one party makes a mistake (in this case the insurer) then they can void the contract. However, it is much harder for them to do this if a) a binding contract has already been made and b) you were not expected to notice the mistake.
As such you have a good case to argue the insurer should honour the price paid. If they do not then you should make a formal complaint to them and if that does not resolve the matter then involve the Ombudsman here:
The other option is to cancel the policy and if you have paid them anything then demand a refund with no penalty. If they try to charge you, sue them for the price you paid via the http://www.moneyclaim.gov.uk website.
When they call you back tell them what I have said if you wish.
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