Fed up client

I'm deeply disappointed in Hollard Insurance and Standard Bank. Hollard just started deducting money from my account, amount of R616.30 without my permission at all, they just assumed i don't have vehicle insurance whereas I do have insurance. I want my money back. I enquired about this transaction and standard bank told me u should call Hollard insurance and I did call them and they told me that Standard Bank had taken out an insurance policy with Hollard for my vehicle on my behalf. I dont know how that happened coz I bank with Standard Bank n every month they deduct my vehicle installment and insurance so I don't knw what made them think that I have no insurance. I never recieved any sms, email or any calls and nowhere did I instruct Hollard or Standard Bank to open up an insurance policy for me. I'm fed up with these organisations!!