POLICY WORDING NOT CLEAR

I would never recommend this company to anyone. Once they have your business you can forget about getting customer service. What they say and what is in the policy wording is completely different. In there wording it stipulate that you have a 15 day cooling off period. To my understanding "cooling off" period is when you want to cancel the contract. Apparently not according to MELISSA! She informs me that it is to cancel or make any amendments to your contract. And by the way they give clients a further 6 months grace period to make any adjustments BUT NOWHERE IN THE POLICY WORDING IS THIS STATED, so how should I as the consumer know that I have a grace period of 6 months to make any changes to my cover. I must be STUPID to not see this as I have been trying to point this out to MELISSA but now she sticking to the 15 day cooling off period and they sales agent also on email informed me that I can adjust the policy and I was not informed of any time line. They do not respond to emails or return calls and you cannot get through to the manager , won't happen!! THE WORST CUSTOMER SERVICE BY FAR!!!