SHOCKED Utterly SHOCKED!

I have always been an advocator for Discovery across all platforms but today I am stumped by their service. I was in the market to buy a vehicle, found one, app**** for a finance and as a prerequisite, was to get insurance. Call Discovery, get the car added, agree to premium and send the confirmation to the dealership. A few days later, I cancel the deal. During this, i get debited a pro-rata amount on insurance which i am happy with. However, when i cancelled the deal, i called to them to advise the same. They request a formal letter stating i did not take ownership of the vehicle. The dealership is unable to do this since i am not a client however the dealer principals emails Discovery Insure stating this. They refuse to refund my pro-rata but would rather refund a portion (time delays between initial contact to get the car on cover versus the time i called to cancel). I agree to this and they say no problem. They then debit me full premium including the car i asked to be removed from my policy and excluding the refund on pro-rata. I reverse the debit (about R2000 more) than my actual premium and call them immediately to advise of the same. The consultant says straight up they cannot help me and my policy will lapse. I should call them three days later after they have confirmation of the reversed debit. I do that and they say nope sorry nothing we can do, policy will lapse due to non-payment and i have to take out new cover. HOW the actual F... when i did what any member should do and notify them of anything transpiring on the policy. I do my due diligence and they flat out refuse to assist in any way shape or form. So I am the risk now, to take out new cover will cost me MORE than previous cover? WHY!