RIPPING ME OFF TO INCREASE MY PREMIUMS

AT APPROXIMATELY 1PM , 11 FEBRUARY 2015 I RECEIVED A VERY STRANGE CALL FROM MY MOTOR VEHICLE INSURERS DISCOVERY INSURE. AROUND A YEAR AGO I JOINED DISCOVERY INSURE AS THEY WERE THE CHEAPEST. EVER SINCE I HAVE GIVEN THEM MY BANKING DETAILS TO DEBIT MY ACCOUNT I HAVE NOT RECEIVED A SINGLE CALL FROM THEM. OR JUST MAYBE A FOLLOWUP ABOUT MY POLICY . THAT WAS ALL GOOD FOR ONE WHOLE YEAR I PRESUMED THAT THIS IS HOW THESE PEOPLE OPERATE. TODAY'S SHOCKING AND DISTURBING CALL BY A COBUS POTGIETER STATING THAT MY POLICY HAS BEEN CANCELLED AND HE WILL BE REQUOTING ME. ON ENQUIRY OF WHY THIS RE QUOTING HE SAYS THAT IT IS DUE TO THE FACT THAT THEY HAVE NOT RECEIVED PAYMENT ON THE 29 DECEMBER 2014. MY QUESTION IS WHY HAVE I NOT BEEN NOTIFIED OF THIS ISSUE THEN. WHAT IF SOMETHING HAD HAPPENED AND I WAS UNDER THE IMPRESSION THAT MY POLICY IS CANCELLED. HE SAID NO DONT WORRY HE WILL RE QUOTE AND REINSTATE , ANOTHER PLOY TO RIP US LAMEN OFF. HERE IS THE ISSUE , HE NOW REQUOTES AND INCREASES BY ANOTHER 25% . THIS IS A STRATEGY DISCOVERY IS NOW USING TO FORCE US TO COVER AFTER GIVING A GOOD RATE A YEAR AGO. WHY HAVE THEY NOT DEBITED AS PER AGREEMENT WITH ME IE. 25TH EVERY MONTH