Duplicated insurance then cannot pay claim

I want to warn anyone doing business with this company because I am not getting what I am paying for now.

I lost a phone that was insured by finrite administrators in March 2019 and got a new one there after I was shocked that I have been paying for 10 months for two phones instead of only one because my insurance was duplicated when I claimed my lost phone in 2019 March. I then called finrite for refund and to cancel the duplicate insurance. I lost the phone again last month and ever since I submitted my claim I am told it's declined because I have canceled it. What have I been paying for if my insurance is canceled. This company has given me *** service after my 1st claim if you cannot pay for a new phone give me back my money!!!