Edgars failing to explain services

I bought a Samsung s4 mini from Edgar's,after being billed for financial services that I did not need I phoned and asked to cancel services. I never specified that they should also cancel my cellphone insurance ! The person never explained that it is part of financial services and cancelled it without my knowledge or consent. I was in an accident and my cellphone broke,I went to Edgar's as I had cellphone insurance, they notified me that the service was cancelled and then re activated without my knowledge or consent. They are unwilling to proses my claim telling me that I am at fault and I am being back debitted for premiums. I never gave permission for CELLPHONE INSURANCE to be cancelled. A constant fight has been going on and still they fail to take responsibility for going ahead and cancelling my cellphone insurance without my knowledge or consent. Poor service and skills from management as this has not yet been resolved and the matter is still being investigated.