UNFAIR BILLING NOT TREATING CUSTOMERS FAIRLY

I cancelled my insurance as they did not pay for my repairs after paying for years, I did not pay my account and was in arrears and I called to cancel my insurance, this should be a treating customer fairly fine, How can you keep me hostage to keep an insurance I am not benefiting from. Molemo Mashila refused to accept that TCF is a fine and is not in line with the laws for short term insurance, if I HAVE NOT PAID THEN WHY DID YOU NOT LAPSE MY INSURANCE?