ABSA AIP ********** Car Insurance Policy

I had an AIP insurance policy and I have always suspected that there is something ********** about this policy. Firstly I was under the impression that I was paying my premiums upfront only to find out when I cancel that I am only paying for the current month. This impression was created by the fact that when the policy started on the 18th of October 2016 a full premium was debited from my account on the 25th of October 2017, if indeed I was paying for the current month back then, a proportional premium would have been debited on the 25th of October 2016 to cover the period 18 to 31 October 2016. I need to be refunded, if the last premium I paid on the 25th of November 2017 was for December 2017, kindly refund me the full premium and if the payment I made on the 25th of November 2017 was to cover the November 2017 month as mentioned by one of your consultant kindly refund me with 10.5% interest a portion of the payment which was done on the 25th of October 2016 as I paid for a full month and I was never covered for the full month. The interest should be calculated from the 19th of October 2016. I have never seen a car insurance cover where one pays for the current month, all legit insurance covers I know off, we are required to pay upfront.