Debit Order taken without authorisation

I am very disappointed in Auto and General, i have been on the phone on two occasions with regards to my new policy, and on both occasions i advised them not to debit my account on 15 November 2018, the contract sent to me clearly shows my debit order would be run on 24 November, but last night 15 November a debit order of R679.37 was deducted and bounced, obviously my bank has now charged me a R60.53 fee for this. I would like to know, on whose instruction was this debit order run? Because i gave clear instruction that the debit order not be taken, in addition, i have the right to cancel this insurance, immediate effective, because if this is what i should be expecting, i truly don't need to be stressed out, will my debit order be R60.53?