Capitec funeral cover

My name is Rosina i have two policies with capitec . I'm not happy with the second policy which is the cover that I took for my mom and my brother. Just heard only now that I and my sister cannot cover/claim for the same person meaning that we cannot cover one person and claim at the same time. I was not informed about that and only saw the complaints and reviews on hello Peter .. can I have that cover cancelled immediately and have a refund of my premiums paid back to me please