3 Warranty Policies Charged for and not getting help with Claims

Concern/Issues in 2019 I bought a car with we buy cars and came with 2years Warranty(WB***530). A year later a sales agent sold me the 2nd Policy with GAP (MIP014355 andMIG002428). in December the We buy Cars Warranty department sold me the 3rd Policy(WBR000673) which is the extension policy as the 1st will elapse in April. I have 3 Policies Active and my concern is should I cancel 1/2 of them Am I getting Re-Imbursed of the Premium Deductions made towards my monthly account? when I'm claiming against policies I am being told I can yet they were able to charge me for the 3 services I am paying for; why Am I being charged for 3 policies yet cant claim from that Its **********

The solution I need to cancel one of the policies (out of the 3 Policies). ClaimsJVR Made a claim on one of the 3 Policies and there was a shortfall I had to pay can this be claimed from the GAP cover. we also need to Up our Claim as there is a current active claim for Turbo and Injector but our issue is we need to claim for Engine damage of R55000 Inclusive of other cost labor and so forth.