Bad insurance experience

I took up an insurance with Bettersure and the monthly premium agreed upon is R391.82. To my surprise, this insurance company deducted extra R465.31, on top of the R391.82. I then called the insurance company on 28 November 2023, to ask what was going on and also to ask that the extra money be reversed back into my account. The consultant (Neo) also did not know what the extra deduction was for. A few days later, I got a refund of R417.31, R48 short. I called them again on Tuesday, 12 December 2023, spoke to Jabu, to enquire about the remaining amount, who took it? He transferred my matter to the refunds department and told me that I will be receiving an email from them explaining what has happened and what the money was for.

True enough, I received an email from Dalene Govender (Sales Excellence Consultant). Below was her response on the email:

Good day Ms, Please note that the premiums collected were two separate premiums collected. As per below the premiums refunded as per value below. Home Contents- R 154.91 Public Liability- R 13.31 Sasria- R 5.34 Home Assist- R 5.75 Comprehensive - R 238.66 Total- R 417.97.

I'm only aware of one premium. There's no explanation to me what the extra premium was for and also why i was not refunded in full. I rep**** and asked what the other premium was for and also would like to know who authorised it. To this day, I still haven't received any response on my reply to their email.

I want my full money back. I've never worked with this company before and already I'm experiencing a bad service. No apology, no nothing.