Frustrated client

I had a bad experience with pineapple insurance I had joined them 2025 November 1st premium was deducted 1st December 2025..March 2025 I had incident i bumped someone's car i put claim they took two weeks to process it .after that 2 weeks they came with a story saying I did not disclosed judgements end default on my name which I was not aware of then they decided to cancel the policy end told thy will pay me back my premiums back which it was R2900 when they process the refund I was told their is an admin fee that needs to be deducted from my money..I really don't understand end feel ****** at first is their responsibility to do credit check before signing a client not to do it when the client put a claim..I regret joining Pineapple insurance all I want from them is my money I have made peace with them not paying the claim if they can give all of my money so that It can help me to fix that person's car .