Rights violation

I took a warranty policy with Bidvest insurance on the 25/07/2020 (31days waiting period), on the 30/09/2020 I had an engine warning light on, took the car to repairs.

After 4days of assessment, my claim was declined with a totally wrong reason that the 1st debit was missed so my policy commenced on the 25/08/2020, apart from that error they did not double debit nor inform me as a client. On top of that inconvenience, Bidvest claims my car was broken on the 17/09/2020 and they cannot cover the repair costs.

As a motorist, I respond to a threat when the vehicle warning lights come on, which was on the 30/09/2020 hence I went for repairs.

I really feel abused and my consumer rights violated due to this unreasonable act from Bidvest, whom is continuing taking premiums month to month.

Please help