Debited my account with me doing inspection

They called me about R400 challenge and they couldnt beat my quote,yet they never paid my R400 instead they convinced me to change my insurance.I confirmed at the end of the call when the insurance will be active and the guy confirmed that it will only be active once i do the inspection at Glasfit.However they debited my account even though i never went to do the inspection.I have decided that im staying with my insurance and need my R1145 refunded and whatever information of mine on their systems to be cancelled.What if i have a claim?Are they going to declare it invalid because i never did the inspection?Im sure they wont pay any claim but they dont need inspection before they can debit your account.