Beware debit orders retry

I've usually had excellent service from their consultants. However, my initial debit order bounced 2 days ago due to lack of funds. Today, I realised that, made a payment to my bank account, and then called their call center to query if they could try the debit order again. The agent put through the request, but after doing so, then informs me that if the debit order fails again, I the policy will lapse immediately ie I will be without cover and will have to go through some cover re-instatement process.

This is quite a serious consequence that should have been communicated prior to the action. Had I known , I would have taken the safer option of doing the EFT manually. Sometimes bank account payments don't reflect immediately. This issue, when I am trying to do the right thing and rectify my account, is beyond ridiculous.