Poor service delivery

I am so annoyed with the Old Mutual iWyze insurance.They always leave a bitter taste in my mouth always and for some weird reason I keep going back to them. They should look into training their stuff to be able to give us better quality information. My 1st experience with them I took a car insurance with them and on my 6th month I got into an accident here I hit a wild animal and only the left side of the bumper was damaged. I was not disclosed initially that I am not covered from the day I took the cover should I get into an accident I was only covered after 6 months. They refused to pay even though I pay all my premiums. I then fixed my own car fem my pocket. I then decided to give them a chance again last year and by the time I took the cover it was mid month and they told me the were to debit the prorate to my surprise they took the full payment premium and I called multiple times and I was told they would return my call to date. I know my debit order date to be the 27th but to my surprise today it’s the 22nd of each month after I called in to cancel due to me being on unpaid maturity leave. The consultant I spoke to never disclosed that please be aware that when you cancel your account today with immediate effect we have already debited your account and should you cancel you forfeit the payment ffor r the month of March and should anything happen you are not covered. Why not disclose such important piece of information and they go and tell me that should I reinstate it they will charge me again prorate for the 2 days??? Make me understand.Who gave you permission to even debit my account on the 22nd even??? A question they are unable to answer. Why does IWyze treat its customers like these if they themselves their employees filter information when they are talking to us? They will say they will look into the matter by listening to recordings and they never revert after. IWyze is a **** of an institution 😡