Urgent: Policy Document Not Received Since December

I was contacted by a call centre agent who sold me an extended motor warranty policy. At the time, I was in the process of renewing my existing policy with Innovation Group, but when I received the call, I decided it would be more convenient to proceed with the new policy it was convenient because I was phoned. Unfortunately, my car's turbo failed shortly after my second premium payment was deducted. When I contacted the insurer to claim, I was informed there was a waiting period—something I had not been made aware of during the sales call. Had I known about this waiting period, I would have renewed with Innovation Group instead and would not now be facing a R30,000 out-of-pocket expense. My primary concern is that I still have not received my policy document, despite having taken out the policy in December and requesting it on multiple occasions. Without this documentation, I have been unable to verify the terms and conditions.