Paying insurance for a devise I don't have......

Vodacom insurance is a **** I tell you. They have been ****ming me for months. I am paying insurance for a device that I do not have!! I upgraded my contract last year and received a Nova Huawei devise with insurance (damage), but after finding out that it was not google supported I returned it to Vodacom, and Oh boy! was that a nightmare. When the devise was finally collected I thought everything was settled. I did not realize until now that I was being billed for insurance of that devise. When I queried, they practically told me that I have to decide what I want to do. I asked them what options do I have, and they just said they cant help me, I have to make a decision myself. I told them to pay me back my premiums and they said they cant do that. So what decision am I supposed to make? based on what exactly, when I am not given any option?