Refund required

I took a Diamond scratch and dent cover in July 2025,I was advised that should I not claim on the cover,when I cancel I would receive refund of installments paid. On their policy document,it’s also outlined on page 7 as follows:

“• Where a refund is due to you all costs incurred, including commissions underwriting and administration fees, will be refunded on a

pro rata basis and payment will be processed within 31 (thirty one) days of the cancellation date.

• If you cancel your Policy and a claim has been submitted, lodged, is pending or paid under your Policy, there will be no refund due to you. However,

should your claim be rejected, a pro rata amount will be refunded to you.

• If your Policy has been financed by a financial institution or forms part of a suspensive sale agreement, the refund will be paid to the financing.”

To my surprise,when I canceled the policy ,I was then told there is no refund due to me,however I have never claimed during the time I was covered.

Can I get recordings on when I took the policy as the agent who sold this to me also mentioned that there is a refund should one not claim.