Have to pay to replace our decoder despite paying insurance for years

We have a DSTV Explora. It recently got hit by lightning rendering its network port unusable. When we took the decoder to an agency we were told that there is no insurance on the decoder. We have statements showing an amount of R25 being charged for "Device Care Contract Insurance Premium". Upon further investigation it turns out that this insurance is being charged for our old Dual View decoder that packed up a few years ago. We still took this decoder to an agency and they replaced it with a DSD1132. They never cancelled the insurance on that decoder/transferred it to the new one. We then got the Explora in 2016 and had the insurance transferred over. Everything is in order since you are still charging us insurance? Now you want us to pay for a replacement decoder.... that is fine, but then we want our insurance premiums back for a decoder you took years ago (roughly 2012/2013) which, on the conservative side, should be over R1200. Either let us claim through the insurance or pay back the premiums you *******ly took.