Does not act in good faith of clients compared to other insurance companies

I have had a Homeowner insurance since 2017. Recently found out that I have had dual insurance with Auto&Gen(Bettersure) & Stnd bank. I only noticed when I was trying to reduce my bond debt. Std bank was deducting with the bond account, one amount. After realizing this, I cancelled Std bank and I was refunded by Std Bank FULL 50% off since insurance start date, without hassles. I noticed Bettersure refund is too little, considering I am paying them MORE already than Std Bank. I enquired and asked for a detailed calculation for the refund. After couple of follow ups - they reply with one sentence "Its prescription". They will not refund full 50% like Stnd Bank, they are refunding only from 2020. How did Stdnd bank manage to refund full value? Its because Std Bank honor and value clients, act in good faith. I wished I had cancelled Auto &Gen instead of Stnd bank. This company is cruel, does not act in good faith of clients, has expensive premiums. If I knew better, I would have cancelled Auto&Gen instead of Stnd Bank. It is such hard times, and I am feeling ****** by such a big company.