no regard for end user

When I bought my car, I was contacted by an agent from Webank who wanted to sell me a policy for minor streches & bump (smart insurance). I recently had a bump and when i went in i realized the policy was no good. <br> <br> I called wesbank today to cancel my policy and they told whether its active or not i will continue to pay for it for all of five years. When I got my policy i was not told i can never cancel it. I do not understand why i cannot get out of it. If wesbank decided to pay ahead for all the 5 years, how is that my problem??