BAD SERVICE WITH MIWAY

Good day , I am writing with sorrows as how Miway treated with after so many years I have been with them. I have changed my account number and the debit date. At first it was my fault as I gave them the banking details which I was not aware that it cant be debited (savings account from standard bank ) and then I realized that after I have received the message from miway on the 1st September saying that I am not covered as it was my responsibility to check what is going on , I called Miway to find out then I was told to check with my bank which I did and on the 2nd I called MIWAY to give them the correct banking details and I was told that the debit date will take 3 days , I waited and waited ,on Friday the 4th September 2020 called again to find out why MIWAY has not debited my account and they told me they will soon, Saturday again I called I got the same answer ,today the 7th September still MIWAY has not debited my account ,then I called again and I was told that they did not send the debit order to the bank and when I asked no one give me the answer and said to me they will send it and it will take 3 days. My question is what if I got into an accident and my gracing period is today what will happen,will miway cover me or they will b an excuses of saying I have not paid my premium.Whos fault is it? me or them? I m so frustrated with the service I have received with MIWAY