Game cellphone Insurance

About 4years ago i bought a phone from game and added the cellphone insurance, almost a year after that i lost the phone and for some reason i could not claim a new phone, they said that i waited more than 3 months before claiming which i accepted at the time, this was more than 3 years ago, but for some reason they still deducted money from my account every month up until july 2015. They now refuse to refund the money they have taken for the last 3 years. As far as i know they should have canceled my insurance because there was nothing left to insure because i no longer had possession of the phone. Added up this is a big amount of money taken from me *******ly. i want this matter resolved and my money paid back to me.