Request a car insurance refund fro ABSA

I bought a car through ABSA car finance in 2018 and early this I received SMS, from ABSA requesting a proof of my car insurance, then on the 30th of April 2022, from my monthly premium for my car installment there was an additional amount of R909. I went to ABSA brand at Klerksdorp to find out, only to find that they told me is for my car insurance since I failed to provide them with mine. I wasn't happy with that decision they took without any agreement with no contract on . On the 06th of July 2022, I send an e-mail to AIPservice@absa to cancelled their insurance and I providing them with mine. then I received a respond that says they won't be able to cancel until mine is active. now I provided with the proof that is active after they made their debit. I needed my refund for the month of August 2022, because they debited on the 30th of July 2022 and the other new car insurance also debited on the 01 of August 2022. Yesterday I received and e-mail from AIPservices@absa that they wont pay any refund due to inception of my own insurance, I called them and spend an 1hour of my phone at my cost of airtime. Their explanation was, when they debited on the 30th of April 2022, that premium was for the month of April 2022, but now my question was can I pay for the car insurance in arrears or you are insure once they have your first installment then account is active. That's were I get confused. on the 16th of August 2022, I send an e-mail to AIPservices @absa request my car insurance contract they failed to provide me with. Please advice what to do