Premiums refund

I had duplicate insurance cover with Standard bank and Santam since 2017, which I was not aware of due to Standard banks premium being part of the monthly mortgage debit order. On 10 August 2023 I have requested Standard bank to cancel the policy and refund the premiums. On 18 August 2023 a copy of the alternative insurance policy schedule was requested from Santam which was forwarded to Standard Bank on 24 August 2023. Standard bank responded that they would return 50% of the buildings and Santam is responsible for the other 50%. Whereafter Santam rep**** with the claims history as Standard Bank is responsible to pay back 50% of the building claims to Santam. 13 September 2023 Standard Bank forwarded a cancelation confirmation and a payment of R291.16 refund. I really don’t understand how they got to this amount after almost 6 years of premiums, and it does not help asking them for they don’t respond to emails. Today on 26 October 2023 I am still waiting for the matter to be resolved, and with no response from Standard bank who has gone silent, I conclude that I it was a great decision to stay with Santam…. imagine how Standard banks claims department communicate claims.