I need my laptop back from Momentum

I have claimed for my laptop and cellphone in the 1st week of September and they sent someone to come fetch the laptop,3 days later they rejected my claim for both the cellphone and a laptop without even assesing the phone,but up to today I haven't received my laptop back,I have sent them countless emails but no response,I sent them emails asking them to cancel my policy but they still debited.

After rejecting the cellphone claim now they want to send the courier to come fetch the cellphone and I must be without the cellphone and the laptop. Please help I need my laptop back and they should PLEASE cancel my policy with them and return my premium,I have realized that I am going to have serious problems with them going forward in terms of the claims,they don't even communicate,I don't want to be associated with them at all,I have never experienced such incompetency from an insurance.