Gadget insurance ****

I bought a cell phone last year and have been paying for gadget insurance because according to Edcon policy the Cell phone Insurance is enrolled for every Cell phone sold at their stores - without my consent . Customers must be asked if their require insurance or not. When I went to store the customer service consultant asked why I am only querying now so I am wondering is there a stipulated date that if you do not query for a certain period then hold your peace forever.