My car is been stole...

My car is been ****** and they failed to recover and they also reject my claim of 150 000 that they are singing of but now when i cancel contract with them with my other remaining cars because i cannit trust them again eith my other cars, they want a cancellation fee is that fair? I send the cancellation forms 4 months ago without cancellation fee they didnt cancel my contract now they i still owe them monthly premium for 4 months what about my car that they failed to recovery still they want money from me , am not going to pay that money just cancel my contract and leave me alone with my loss