Horrible insurance ever

I had insurance with dialdirect for 2 years without claiming , they deducted premium on 15th of 861, i got beter offer from momentum of 621 so i cancelled dial direct, so i thought im still covered until monthend november, so i was stucked due to battery failure, i requested for help on their appof which they responded fast and the guy came to jump start me, immediately he finished dialdierect called me to say i cancelled my insurance i must pay the guy from my own pocket an amount of 550, i was so supprised because they did not refunded my 861 that they deducted on the 15th because if i cancell insurance i was supposed to be covered until monthend november before i can start with Momentum., im so ****ed and i want my money because i paid the guy from my own pocket. Any1 thatt know where can i report them to get refund of the premium they deducted on the 15th?