How TFG insurance is not keeping up with it's promise

I bought 2 cell phones cash in February 2017 Hisense F20 and F22 each was a R2000.00 so I swiped R4000 using my debit card. The cashier asked if would I like to have an insurance for the cellphones each will deduct R53 from my account, I agreed. July 2017 the F20 was ****** from me, I went to the Store on Zastron they said I need to obtain a case no: from the police station and also a number I would obtain from my network service provider. I collected all those things they wanted told me to wait for 4-6weeks for investigations, I understood on the 7th week after seeing that the was no response I called Zastron branch they told me my claim was rejected I asked why they said they don't know. Since my claim was rejected and they know my phone was lost they kept on deducting for both cellphones still every month they deduct. I tried calling the insurance call centre but I was transferred from one consultant to another. I am a person who works by cellphone everyday imagine being told your claim has been rejected and no explanation after that, but they deducting my money in my account for the "insurance " they say . Kind you I paid cash for those cellphones, an explanation would have been better. My right as a customer were really violated on this point