I want all my premiums back if no phone

This insurance company is a ***** that's taking advantage of the valnerable customer's hard earned cents for their profits I bought two Huawei smartphones at MTN last year and asked to insure only the the P50 pro since it's the most expensive and then received an sms saying 'your Huawei Y61 is now insured' went to the store called the insurance company to rectify they said they have canceled for Y61 and insurared only the P50 pro and then a few months later the Y61 got lost I tried to do a Sim swap at MTN but the consultant said the insurances for both phones are still active and none was canceled despite my request so I should claim first and do the Sim swap later I sent a claim but It was declined reason being the Sim card I was using in it is not the one that came with the phone of which I wasn't given any new Sim card but only did a Sim swap from my current MTN contract number and used only that until the phone got lost so I sent a review to complaint but when I query it the said the insurance is already canceled. Last week the P50 pro was ****** in an armed ******* incident I then submitted a claim and now it's also declined for the similar reasons I called them today for clarity they say my insured Sim card was last taken out of the phone on the 02 October 2023 which is impossible because have never used any other Sim card but this one and have never took it out of the phone until it got ******. And they can't even give me a number that they say i was using inside the phone for that period of five months according to their report. If this is the method that Santam is using to take advantage of their customers then I will not be any other one of their victims cause when they take my money they ask no questions but when it's their turn to deliver they give you excuses and stories If I don't get my money back or a phone by Monday I want every cent you have ****med me I will expose you through every social platform