FNB Smart cover ****************

I phoned in to find out if i can upgrade my smart cover to Life cover, to which i was told i can not i will have to signed for Life policy separately. I have had the smart cover for years, so asked what happens when i cancelled the smart cover to which i was told i will be reimbursed for the the premiums if the policy has been active for more than 6months. I was put through to the smart cover department to cancel the policy only to be told that i will forfeit all the premiums. My questions is its been years and i never claimed what happens to my money? don't i even get a percentage or anything. FNB how can this be resolved i need to understand