Insurance claim

I had an contract with Vodacom for cellphone and it had an insurance Finrite that they where deducting from my account My sim card was not used most frequently and when I enquire last year my a sim card was given to the other person Chetty in cape town that its was in my position and the phone . I did apply for a lost phone since I lost it this year but they said I not legible for a new phone . I am not happy with the way they are doing business, Since they have been deducting and paying for the phone insurance and the number its been given to the other person in Cape town then they must refund my premiums all of them from the day I joint them the insurance. the minute you give someone number they should have stopped the deduction because it doesn't belong to me. they said that they will send me a recording where I have agreed with them till now its not available. My contact number ***