Nedbank homeloan insurance ****s

For the past 2 years I have been insured twice by the same bank for the same risk of structural insurance. The insurance is not easy to pick up as it comes under the same letter head of Nedbank. Upon request to cancel one of the insurances , Nedbank still sends me from pillar to post in delaying tactics. How is it possible that the same bank that insures you cannot see you are double insured? selling the same product to you disguised in different formats. Upon request to get reimbur*****t they tell me that they can only give me back my premiums for 50% of 1 year . How convenient that you did not see that you insured me twice. The only way is to take my money to a more honest service provider. I don't recommend anyone to take insurance with these Nedbank insurance ********.