IWYZE Insurance disaster

Worse insurance ever!! My Mother sent a request to cancel her insurance on the 18th October in order to join another one, they took 2 weeks to finalize the matter and in the interim unfortunately my Mom was in a car accident on the 2nd November. IWYZE debited their premium for the month of November before attending the cancellation. coincidentally after we requested a towing which was dispatched by IWYZE with a reference number, they then decide to attend the cancellation same afternoon after her accident, IWYZE went ahead and cancelled the policy claiming they have tried to get hold of the client from the day they received the cancellation request till date, therefore they have decided to go ahead with the cancellation. They further say they backdated their dates, confirmation of cancellation was sent on the 4th November with the effective date being 1st November 2 days after the accident (Coincidence). they even wanted to refund the premium for November seeing that she is actually covered and they will have to pay. We have requested recordings of the calls and we are still awaiting...