WORST insurance out there

On 22/9/2021 I booked in my Samsung Note 10+ for repairs as my screen broke. I took accidental damage out at the end of March 2021. And the pro-rate was taken as expected. I Even received an SMS that states your cover is active. Everything was going well. And now that I want to claim it say pending activation. I do not understand why. My premium is about R 80 pm a month. And when I call Finrite to find out why and how. They say will escalate and call me back within 24 hours. This has been going on for 21 days now.

When I call them after 48hrs have passed they say the same thing. And when I say I was told you will phone me back. I have to pay all back premiums of R 765,03. Or you say it is the client's responsibility to make sure that you FINRITE takes the premium from my account. Or say the policy says it is my responsibility. But no one can give me the rules of the policy. And it is not their responsibility. But if you work it out from April till today 13/10/2021. The total comes to R480. So please explain how do you get to R 765,03 and then on top of that there will be access to pay as well of about R 900. So that means I have to pay about R 1665.03.

And when I call and go to the shop where I took the insurance out at they confirmed that FINRITE canceled the policy without informing me. So now I have to struggle to get my phone fixed and back. And there is a 30 day of the no-use policy. That if you don't use the phone that is covered for more than

What must I do to 30 days policy does not cover the phone? And the 30 days is coming up in 8 days. So I guess then they will use that as an exucess.

Can anyone help to sort this out?

FINRITE you are the most pathetic company out there.