Bad service

had a motor warranty policy with innovation that took in June 2021. According to the consultant and policy document, I was allowed to cancel the policy anytime and get a refund if there were no claim that was made under this policy, they were gonna deduct benefits that I would have enjoyed during the policy ( towing services consultant fee ect) but 2 months back I phoned them to cancel this policy and the consultant that I spoke with told me there was no refund. I then send an email regarding this matter and that's when they agreed on the refund but to my surprise only 2 months of 14 months contributions were paid back to me and I phone to ask how did they come up with 2 months I was told that the policy was on risk for 12 months.

Yes policy document they state about risk but it doesn't say for how many months, my question to them was if I had canceled the policy before 12 months what were gonna say. I extended the policy after 24 months with them this was not a new policy. They promised to come back to me after 48 hrs but to date I'm still waiting. Maybe the word Risk is insurance language but I still think they were suppose to advise us on the policy document unless this is their way of avoiding the refund. I had a policy with innovation via WE BUY CARS for 38 months and whenever I wanted to claim I was told the don't cover for whatever I was claiming, before I cancel the policy I wanted to claim for shocks that were leaking and still I was turned down and according to one of RMI approved dealer that felted under mechanical warranty and they did cover for suspension and shocks, to me is like they trying by all means not to pay. Policy WBR 001287

Regards