Being charged for insurance when I don't even have a phone

Edgars Insurance Claim I have done an insurance claim on my cellphone from Edgar's. The claim was approved on 18/04/2019,I was advised that I can choose a phone when I choose to, as I was not happy with the phones available. I received a statement via sms stating I'm still being charged cellphone insurance of R78 after the claim was approved. Today one of the staff members from CNA called the insurance company to query why I am still being charged they advised only once I choose the phone then I can cancel if I choose to. Does it make sense that I was charged for 3 months when I don't have a phone to insure?