Hi Echo,
Jodelman is right, it is the broker who should be apologising to you because their role is to try and make sure you have the right cover to meet your needs, otherwise what are you paying them for. Believe me, learning the lessons of not being properly insured can get pretty costly!
There should not be a huge increase in premium for moving to CSL so if they try it on you might want to ask them why they felt £125,000 passenger liability was sufficient for your needs. If nothing else it might just get them to waive the additional premium.
In the meantime, apologies to the moderator for attaching a link to our FAQs.
I've no desire to incur their further wrath so will simply try to respond to any other queries on this subject via the thread.
Cheers,