Car insurance debit order query

I am so annoyed by dial direct car insurance I have just had a month contract with them and they are starting to irritate me,my debit order date is 20th monthly for some reasons yesterday they submitted a debit order on my bank account and it bounced back due to insufficient funds,I don`t understand why they decide to deduct payment before the agreed date of the 20th,I regret using their service,it looks like I am going to get stress from them, and my payment profile will be now messed up on ITC and I have to pay bank penalty fees for unpaid debit order which is not my fault,I will never recommend people I know to use them for car/ home insurance if this is how they conduct their services