Unkept promise and misguidance

I bought a car and within a month of taking ownership of it, I had to return it to the dealership and it was there for a couple of month, during this period, i kept in touch with you and requesting guidance wrt to the cover as the car was siting at the dealership for months and not in my possession. I was paying for the cover even though I did not have the car. AVAF then took the case and agreed with the dealership that they must replace the car. Because the dealership was able to source the same model car, they then did a swap with the bank where only the vin and registration number will be changed and the old contract will remain the same. I called idirect to inform them and I was told the policy will be canceled and a new one with the same terms will be effected. Then i was told that a swap will be done and the same terms will remain and to my surprise, none of that happened and now i am paying double what i was paying for before for the cover. I am truly dissatisfied and appalled with he service and advise as i could have cancelled this policy months ago instead of paying for a car that was not in my possession. I need to be refund as you were aware of the situation and continued to demand premiums and I kept the policy with the understanding that once the new car is ready, a "swap" will be done the way AVAF did on their side.