Insurance added without consent

I am still battling to understand Motor Happy and MFC adding insurance to our vehicle without consent. I have requested a copy of the insurance agreement as well as my consent to have it added to my policy and I am yet to receive any feedback. The only feedback I have is that I need to prove my vehicle is insured. Is this legal practice to add insurance without consent? I see that I am not the only one as well going through these stressful pain points. Love to know how long re-imbur*****t will take as well.