Double Premium Charge for Policy effective 3 months later

I currently have an extended warranty with Innovation Group which ends in January 2026. When calling in I was told that I needed to call in 3 months prior to the expiry of the policy to extend it further, which I did do. When speaking to the sales consultant I made it clear that this is needed for end of January 2026. I was then double debited in November 2025 for two policies. I tried requesting a refund which I was told that they do not do refunds. Then told I should cancel the extended policy. I have now been what I feel as being ****** as I paid for a policy that only kicks in Fwbruary 2026. Really shocked at this service and that BMW is utilizing this insurer to represent them.