Oldmutual Car Insurance debited my Account without my concern

I was Old Mutual customer from August 2022 until I wanted to claim for another flat tyre so that they can send their people to come change it for me. Not to give me a new tyre because I had a spare wheel and will make a plan to fix the punched one. To my suprice the person I spoke to told me that the service for tyre has been exhausted/depleted and I have to pay cash even though I was paying every month. My question to her was, are you a medical aid or car Insurance? I told the lady there and there that I am going to reverse the payment for May 2023 and no longer want their service (Which was a telephonic cancellation) Ayanda, the lady I spoke to today told me that I should have send a written cancellation. To my Suprice now on the 25th November 2023 Old Mutual decide to debit my account and when I call them they told me that I was not supposed to have reversed the payment because it was bridge of contract which I was not explained to when I took out the policy. The lady I spoke to today (Ayanda) even told me that I will not be able to reverse the premium that they have debited now in November 2023 even if I try to, because I did not send them a written cancellation. what I would like is Old Mutual to give me my money back (R1,169.05) I already have a car Insurance that I am paying for monthly and can't pay 2 car Insurance for one car. What Old Mutual stole money from my account for non service.