My protection this year was £19.99 extra on the policy.

I dont think it is fair they added it afterwards. Did you pay by card in one payment, or are you paying by direct debit? If you paid upfront, try contacting your card issuer and explaining they took more than you agreed to. They may get it back for you as unauthorised payment.

I have looked on their website, and legal expenses is shown as 'extras' therefore, they should have advised you if they were adding it onto your policy, or you had requested it. Their key facts document shows what is covered by their legal expenses, so have a look and see what you think.

Interestingly enough, they state on the key facts that if you are not happy with it, you can cancel in 14 days and have the money refunded. SO go back, and refer them to their own T&C's- they probably get a commission for selling it, so thats why they are not too happy to refund. But stick to your guns!