Shocking discovery on my policy!!! 100% increase

I recently put through a device claim with FNB insurance device. The claims process was not as smooth as i thought it would be plus given the fact that you are not given updates during the claim process. I waited three weeks to receive my replacement device. After i received my new device i never received a call from FNB to find out if the i was satisfied with the device. So last week i sent a mail to FNB device insurance asking if my new device is automatically covered. I received a response from Jaco Lubbe who said i first have to send them my new devices information then they will capture the info and they will call me back with a new quote for me to decide whether i accept it or not. So i assumed from his response that i was not covered even though they had continued to debit my account. To my surprise yesterday i called FNB ins device to request my policy schedule and i was shocked to find my premiers had gone up from R119 to R230p/m. No 1 had advised me of this and whether i can afford it or not and a more shocking discovery was that they will be debiting R352 this month end. So all i want to find out is how does my policy change without my knowledge?