I have had the policy for just over 12 years

I have had the policy for just over 12 years. During the latest premium review the agent sent me a copy of the policy and I realised that I had not updated my address when it changed last year. I also noticed that there was cover for my under 18 children - none of whom were in that age group any longer. The agent requested a copy of the ID of the last born an within 48 hours had corrected the oversight and arranged a refund of excess premiums.