I've having the same issue at the moment. I've taken a slightly more proactive approach than what Clare suggested and written in a complaint letter and spoken to the Insurance Ombudsman who advised me what to do.

To be honest, I didn't read the small print either, but then again I complained as I don't think this was explained to me properly and therefore I complained it was missold to me.

Never had another insurance company do this to me. Seems odd, but I'm not lying down and taking it up the shitter either

Cheers

Matt