cellphone insurance premiums

<p>hello Peter, Last week I sent in my service query experience with Hollard. they finally replaced my handset after wirting to you. </p> <p>what I want know is about the premiums I was paying from after I had sent through the claim to them to the last month before they replaced my lost phone. The premiums were deducted every month without fail all those months and they had not given me my phone. what was I insured on while I had no phone . I only think its fair that they reemburse those premiums.</p> <p> </p>