My way or their way

I got insurance from miway and paid premium prorata as it was after beginning of month. I had paid for motor vehicle guarantee and for comprehensive insurance. A day or two after I decided it was reasonable to put the vehicle on Uber. Was told that the premium would rise from R1400 to R4800. I could not afford that I told them to cancel the policy as it did not make sense that the same vehicle differ in insurance depending on what you use it for and saw that the premium was to quadruple because they believe it's 4 times risky.

Because of my decision to change to business from personal use they also cancelled the motor vehicle guarantee and was told they were going to refund the money. Getting the money was an issue starting with no communication and when I followed up was told the money had been loaded and was going to be paid in 7 days. After the seven days ii got a message that said they had proceed the money and was to wait for 96 hours .

I was insured for less than 2 days and got the refund probably three weeks later and haven't received the money for the motor vehicle guarantee . There in no communication ans I have to guess what happening.

For an insurance that says they do insurance your way, I now wonder whose way they talk about