Unfair Policies that don't benefit client

iWyze refuses to refund me my unused premiums, they say the money (monthly premium) I've been paying monthly belongs to the insurer, to my knowledge, I was not giving that money away, it was for incase I should be involved in an accident, or any other unexpected damage that I could not afford, I feel eligible to a refund as I've never claimed for any event and now that I'm cancelling the policy that money I've been paying them for months would just be a giveaway without it working for me "the client". I'm not happy with iWyzes policies.