Debit order returned because of insuffecient funds

The previous insurance and the Discovery Insure debit order went off which caused a problem. I phoned Discovery and asked if they can re-instate the debit order as of today This happened on the 1st of December and I noticed it on the 2nd December. The said that the policy is cancelled and I must wait 5 days for a new policy to be created. I asked if I cannot pay the money into an account and they refused. So no re-instate of debit order or payment by eft. I must now go without a insurance for a week.?