Should i keep this old policy?

Around 22 years ago, my ex partner and I took out a policy on each other; Regular premium Whole Life urance (Unit linked)of around �61,000. The policy has critical illness cover of �15,000 on it. I still pay for mine at approx �48.00 per month. I recently got married and have now taken out another life insurance for myself and asked the insurance company what the surrender value would be if I wanted to cash it in and after two weeks of trying to untangle it because they had inherited the policy and it went back many years, they told me �200.43!!!! Is this right after all these years? Surely it must be worth a bit more than that. I can't really afford to keep paying it and just feel like stopping the payments but don't want to lose what I have paid in. To be honest, I didn't really know a lot about policies at the time and thought it would pay out after a certain number of years. What can I do; I'm fed up!