PMD takes your money and no refunds after 40 days cancellation

I took a cover with PMD in September 2022 and my cover was from the 15th to the 14th of every month. I then called them on the 4th of November 2022 to cancel the policy with immediate effect. I received a cancellation sms that read as folows 'PMD Policy NO: ***XX: Dear Ms ***X, we have cancelled your policy with immediate effect. Please note your cover will cease from today. We hope to service you to be of service to you again in the future" From the message I received from PMD, it indicates that I had no insurance cover for my car and I therefore took another cover effective immediately (4th November 2022).

I called them today, 15 November 2022 to enquire what happened to the paid premiums from 4th to 14th November 2022. I spoke to Seboke who said that I have forfeited the premium paid as I didn't cancel the policy within 40 days of taking the cover. She said all pro-rata refunds that was supposed to be due to me will not be paid by PMD.

The consultant who cancelled the policy when I called didn't bother to inform me with regards to the no refund and it means I paid double (To PMD and new insurance) premium on the car insurance for the period on cancellation and taking the new cover. Please be careful before taking an insurance cover with PMD.