Cellphone insurance

Good day

I bought a Samsung j5 in May 2016 and also insured it with edagrs for R89 per month. A few months later the screen of my phone got cracked. The insurance couldn't fix the phone so i got a new j5 as an insurance payout. Few months later the insurance payout phone got ******. I then went to the police station to open a case and also blacklisted the phone. I then claimed from the insurance again but this time i went for a Samsung j7 instead of j5, and paid the difference. I went to store with an affidavit that clearly states the j5 is ****** and with a case no. I got the j7 in December 2016. So what happened with edgars is that they kept the j5 insurance active as well as the j7 insurance. I've being paying R178 per month instead of R89 per month. It's only now that i realise it. When i communicate with them they only say they can only cancel the j5 insurance and not refund me the R89 that I've being paying since January 2017. I clearly don't understand why they kept the j5 insurance active. What i want from them is a refund for the insurance that I've being paying since January 2017 till present.

Regards Desiree Lebea