Momentum Insurance money debited without cover

Please share your urgent advise with me. On 24/12/19, Momentum debited my bank account for R585.98 without me taking my car for inspection which means I was not covered at the time of the debit order. I explained that I am traveling and on vacation and will take the car once I get a chance to. Since I did not get the chance to do so, they failed to enquire with me if it was done or when it will be done but went ahead and took my money. I canceled the policy on 28/12/19 because of this issue as well as the rude and unprofessional calls from their consultants. I canceled the policy but they simply responded on a separate email to say that the policy is still in effect and January's payment will be taken. They have not yet responded to my emails requesting cancelation. Their claims dept called me asking me for all personal information now putting me at risk to divulge my vital details to other persons telephonically again, when it should have been on their system. To date, my monies have not been refunded nor a confirmation received to state that the policy is canceled. I am unemployed for 11 months and find big businesses such as Momentum an absolute disgrace to liaise with and how they ***** money from single, unemployed black women! Please note I was previously insured with them until June 2019. When I took out a new policy in Dec 2019 the premiums were doubled. No explanations provided as to the reasons behind it. This has been a horrible experience dealing with them from day 1 and I need to insure my car urgently starting with the money that was taken for no service or cover provided. Is this likened to theft and a violation of my Consumer Rights??