Insurance to flee, really. They are simply scammer...

Insurance to flee, really. They are simply scammers, know very well cashed but not follow a refund procedure.
Worse still, you despise you by systematically referring you to their mediation service.
Exorbitant price for guarantees reimbursed at their convenience.
I am convinced that they are in financial difficulty so do not go to their hole in the fund because you will never be satisfied with this insurance.