Unfair penalties and none refund of premiums!!!

On 07.11.2021 my brother was involved in a car accident while using my car which was insured with ABSA indirect. The car was written off. The claim process took a while as they said they were investigating. They later said that because I did not inform them that my brother would be using my car more often than me they are going to penalize me, a 78% penalty. The claim would have paid +/-R71000.00 and because of the penalty they approved R11000.00 for not notifying them that my brother was driving the car more often. While this claim process was still underway, I was asked to continue paying the premium which i would be refunded once the claim process was finalized, the premiums were paid from end November 2021 and the claim was finalized 28.12.2022 but they still continued to take money until end February 2023. I called in several times to ask them to cancel the insurance and to refund the money as promised, they only canceled the insurance from end March and have not refunded me premiums paid from end November 2021 to end February 2023. Because the payout was ridiculously low, I ended up taking the car back, I still did not get the explanation why the penalty was that high 78% for not informing them that my brother was using the car more often.