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Hello, this is Jim and welcome to JustAnswer.
I am one of the legal experts on the site and I am a dual-qualified solicitor (UK & Republic of Ireland)
Thank you for the question, I am reviewing the details now and I will aim to resolve it as quickly as possible for you.
As regards ***** ***** policy, this is a contract and as such, you are bound to the terms.
At the same time, if you are a consumer (not a business) then you have rights and strong protection if things go wrong.
If you want to make any changes to your current policy then you will need to speak to them and whether this is possible or not.
They may agree but as I say, you would need to speak them. If they refuse then you are stuck with the current policy but subject to a cooling off period (you should have 14 days to cancel if you change your mind).
You could then contact an insurance broker or a financial advisor to search the market for a suitable policy for your needs, or a bespoke policy to cover your motor insurance and also the add on which you want.
I hope this helps
It was a pleasure to assist you today and I hope this answers the question.
If you have any follow up questions or if you would like me to clarify anything I have said, please let me know and I will be happy to help.
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I look forward to helping you again soon.