Tell the salesman that you are going to refer this to the FSA under the 'code of conduct rules'. This will fall under General Insurance and you could explain that the policy was sold to your unfairly and you were mislead into buying the policy. Regardless of the policy schedule you may have grounds to claim. As I am aware the FSA have a backlog of complaints and are upholding a great deal of them at the moment so it's worth a shot!!!

If the salesman is not interested in helping you further then contact the Financial Services Ombudsmen and explain what's happened.

Failing that, why not say he touched you in an unappropriate place and told you not to tell Mummy or Daddy.