Cancellation of an insurance going wrong.

So i bought 3 phones for my siblings with FONECHOICE and took their insurance since i didnt have mine. One phone got lost in February and i only found out in April that 1 phone is lost. Then i contacted FONECHOICE on the 8/9 May if not mistaken to claim and i unfortunately i passed the 48hrs claim process , so in other words i lost but then fine i didn't have a problem with that since i understood they policy etc. Then the followwing week i called to cancel the insurance on one of the phones that got lost and i was told to send an email to ********** 15 May 2018 attaching the insurance documents that was done but didnt receive any feedback a week passed by then i called again to do a follow up on the whole cancellation process and i was told i've sent an email to wrong address and i was given another email to send to ********** 28 May 2018 and still no feedback was done. Then i call again on the 01 June 2018 today and spoke to Thuli saying am not allowed to cancel the insurance on the lost phone if i dont have my own insurance, i mean how stupid is that?????? Whats the point of paying an insurance on something i dont have ?? I agreed to pay for the phone and told them that they can still continue debiting insurance on the 2 phones remaining but they rejecting to cancel an insurance on 1 phone that got lost. R32.00 its alot to pay for something i dont have and i agree am at fault that i didnt claim on time but then y should i continue paying an insurance on a lost phone?????? Asked to speak to the manager and i was she was busy . So please FONECHOICE can you please cancel an insurance for that 1 phone which got lost my ID ********** 193085