need my money refunded

I am so dissapointed in MTN and Sanlam Insurance. I am a customer of MTN for many years. Sometime in last year I found out that I am paying for insurance for an Iphone 11(I never took a contract with MTN for an Iphone 11) I have been paying insurance for this Iphone 11 since 2023. MTN is saying that they can see that i never took a contract for Iphone 11 but do not want to assist. I have been to different MTN stores and on calls with MTN but to no help to me. They confirm that there was never an Iphone 11 purchased on contract. On the other hand i am struggling with Sanlam who advise that they have a voice recording where i confirm that i agree to pay for insurance for IPhone 11.