Prime Meridian Direct

Good Day All My mother took out a Prime Living CoverGrow Individual with PMD on 23/07/2015. On 20/02/2020 she was in an accident and all her belongings was ****** at the accident scene, in March 2020 payment was returned without any notification. In April 2020 I made double payment of R900 for March and April 2020. After numerous phone calls to PMD and Constantia Groups with no clarity about my mother's policy, I was told that it was cancelled in May 2020 due to the regulation act and they no longer provide the service mentioned, they also advised me the R900 will be reimbursed. The R900 was reimbursed on 1 July 2020. We want to know what happened to all the years premiums and why cant they offer my mother a similar policy or reimburse her the premiums?