Ackermans Device insurance sucks big time

I am still waiting for Ackermans to sort out their insurance. Nothing yet has been said to be. They suck big time. Worst part of it they say the insurance only went off months ago whereas they have been taking money from me since June as it appears on the account statement they are sending me monthly. If they insurance can't pay for my fone can they atleast give me back the money I paid to them??? Since the 2nd of November I have been going up and down for this cellphone insurance. Do they know how much am I loosing from not having a cellphone?