It seems that there is confusion around wording on your policy and this will need to be clarified with the insurer directly due to both of you having access to the documentation. If you have recently taken out the policy and you’re not happy with these charges, you usually have a cooling off period which could help you come out of your agreement early. But be mindful that there still may be some costs to pay by going down this route. If you’ve already passed this grace period and need to make a claim, you could raise a formal complaint if you feel that the charges weren’t clear when taking out the policy. Double check your policy documents carefully though before doing so, as there may be a more detailed breakdown elsewhere within your paperwork.