The Unlimited and Platinum Life refuse to cancel my policy

Over the past few months and on numerous occasions I have called The Unlimited and Platinum Life to cancel my policies, as I have a new policy with Accident Angels that came as part of the deal when I purchased a new car a month ago. I have a complaint with the cancellation departments of both companies who refuse to accept that, as a customer, I have the right and the freedom to cancel my policies at any time, and that I cannot or should not be manipulated or forced to keep my policy active when I have a good enough reason to cancel it. I am having sleepless nights , and am now forced to go to my Bank to have them reverse the funds and block the debit orders. They use scare tactics, and tell me that at this time of year there are many accidents and hijackings and all sorts of other bad things that can befall me, and that it's in my own interest to keep these policies active in case anything should happen to me. These type of tactics only tarnishes a companies reputation, and I can only warn others to stay clear of these companies, unless they really need their services.