Thanks Captain, I did think of ringing but decided not to just in case it was only a scam, and at 5p a minute which is the call rate, thought a quick post here instead would shed some light.
As it is, I discovered the firm was on the list of insurance providers offered by this site, though not the one I used before, so decided to go further, only to find the wording of the cover was completely unnaceptable to me, and basically anyone who has had any ailment at all, at any time, would do well to read the terms of the cover before commiting themselves.
I have now decided to go elswhere for my cover and have found one that suits my requirements better.
Thanks anyway for your input.