Unauthorized Cell Phone insurance Policy

I have a 2 year contract with Vodacom which is ending soon. I received an sms that my contract is coming to an end. To my suprise when I called them today to check what I am paying for and how much sice I have finished paying for the handset.. I was advised that I am paying for an insurance which I refused to take at the beginning of the contract as it was too pricey. I have been advised by a Lady with a stinking attitude called Barbara. She advised I took the insurance online whereas my phone was bought from Vofacom shop. Then I asked her her how much was I being charged. She told me its R40 or R41 I can't recall. I then told her there is no way the Note 9 insurance can be R40 and she told me note 9 was not covered instead Y5. I've NEVER owned Y5 and can never buy a R20 000 phone and settled to be paid R2500 for insurance. She was very rude and requested the the papers where I had signed for the insurance l. I asked for the ref no, she said there is no revenue no and then called Vofacom insurance after 10 min. Guess what??? I got a different story. I have been advised I was covered for note 9 and when I asked how much was I being charged the lady said R41 and then realised there was a mistake. She told.me no way and asked me to hold. She kept me on hold for a while. She came back advising me to let her cancel the policy then they will refund me for all the months I have been paying for. I refused to cancel as I also need to have it jotted down before they manipulate everything at vodacom simingly they are ****** they debit an amount on your account for 2 years for something you did not approve and the phone you don't even own!!!. I need an explanation for the two different stories and want my.money back!!!