Bad service

Good day,

My name is Lebogang Makhalemele, I've been with standard bank insurance for more than 3 years now since I had my first car and the premium where high but I didn't change to another insurance cos I trust them the was a time where the insurance where increase twice in a year. In 2022 I got an accident, and the 3rd party was the person who was wrong and they said I must pay the access fee so that they can fix my vehicle and the lawyers will push for that person to pay the access fee because he was wrong and I will get my access fee back, till today I didn't get it or any answer from them then I decided to keep quite. too cut the matter short.

I lost my job in September, and I took the vehicle back to dealer cos it was going to be difficult for me to pay, then when I try to contact them, I was waiting for some time without reaching them, last week on the 30th of November I went to Standard bank branch at Jabulani Mall and I called the insurance I waited again until I hangup the call then the other man I think by the name of Mohau manage to assist me by email to cancel the insurance and to get the refund for September and October. Yesterday someone called me from insurance and said to me the insurance will be cancelled this month, and I can't get my refund while I'm no longer using the vehicle and I PAID from the first day I used the insurance does not like it was a contract why must I pay insurance with the something I don't use anymore and is for the 2nd month now.

Please assist with my refunds