Extremely disappointed by lack of service and incorrect debit

I called the Discovery Insure contact Centre on Thursday 24/04/2020 and spoke to Lefu Mohale. Firstly he didn't sound like he knew what he was talking about cause his explanations were extremely vague when I asked if I could get a discount as my salary was affected by the current LockDown. I then had to downgrade my cover as he never suggested any available options for me as my Insurer. Wheb I posed questions like him confirming exactly how much would be debited from my accoithe next day, he ended up sighing out of boredom from my questions. And now after that extremelyong conversation on Thursday, today my account was dented with the full premium that I was calling to avoid, as mentioned due to the lack of funds in my account. So I wasted time making what was an important call to me, sent emails that the chavges were made but I was debited the wrong premium yet again which will now cost me extra bank charges. This is utter unprofessional service from and insurer and from an agent.