unfair debiting meanwhile process is incomplete

I took out a car insurance/ cover policy with Iwyze in August 22 and in the process was instructed to take the car for inspection at Autoboys, I however was in a process of leaving the country for Foreign Study in South Asia.

The reason for taking out the insurance was the fact that I traded the vehicle and bought another vehicle and had to take out an insurance for it, hence I removed the one traded and replaced it with the one I bought in other to have it covered as per the dealership requirements.

Three days later, a guy from DHL drove into my vehicle, I then made/file an (AR) Accident Report with SAPS and a case number was provided. I then launched a claim with DHL and they requested a letter of no claim from my insurance which took almost forever and later I got the letter and forwarded it to DHL.

Later i was advised by my insurance iWYZE that I can launch a claim and they will process it, I then process it in November 22, where I provided them with all the details required. Ever since then I was doing a constant follow up via the email since I was outside the country and I was told that they busy with my claim/ listening to the calls and my claim will be moved from one person to the other with an intention of string me along until recently in February when they told me I am not covered since i have not taken the car for inspection and the process is incomplete. I am being debited R1963.30 a month since Aug 22 till present. I then requested to be refunded all the monthly installments debited since I am not covered and iWYZE said they are not going to refund me instead they will pay me third party installments but I still remain not covered until i take the car for inspection.

I asked them again to explain to me in terms of what service are they rendering if I am not covered since the process is not complete but yet the are debiting from my account every month. they did not answer that one instead they said I am not covered.

I then inform them that they must cancel the insurance with immediate effect and they responded that i must pay pro rata until end of much since I am covered until end March 2023.

I am still confused of these laws and advantage taken or exploitation by iWYZE, how can a person not be covered and yet still pay pro rata and be told that one is covered until the next month but they themselves have stated that I am not covered since the process is incomplete.