No refund because of uninformed change of processe

So I cancelled my mobile insurance with pinnacle marketing. Told me they will debit me still and will get a refund after 30 days. I waited for a months and lo nothing happens. <br> <br> Spoke to the lady today who told me they won't be able to refund me since underwriter changed their policies and processes. Apparently I called for refund which was by agreement that was before policies/processes changed.<br> <br> Opted for a voice recording, told me they want to trace it up but can't even give me an estimate when they will contact me back.<br> <br> This the worst mobile insurance broker. Try other insurance company maybe Edcon and the likes.