Phone Insurance

I took insurance for my Y9 prime 2019 on the 26 of September 2019. I called finrite to do a follow up as my phone was in for repairs. I was told that I need to pay over R900 in March 2020 for excess and I just said I need my phone back and the insurance must be cancelled. The lady I spoke too said it is cancelled by will still pay R120 for the month of March 2020 and I didn't have a problem but now I am receiving a message that shows I still have to pay the R120 for insurance and I am not going to do that as I have not even received my phone or communication to explain they can't deliver due to lockdown.