poor company i have another insurance with them i am defiantly cancelling it

i had an insurance cover for my phone i lost my phone in 2019 i went to claim it was approved after that i got sick now they are telling me i had 60 days to claim i lost all the money i was paying i did not sponsor vodacom i want my money back or the phone i have been calling even 2021 no one said anything about 60days...what was i supposed to do when i am sick wake up by miracle and ran for a phone dont make me sick i want my phone dont tell me nonsense......i have paid money for that insurance they keep changing their story they said i took the phone in hatfield when i tell them i didnt they now saying i had 60 days to pick it up what nonsense it that