2 insurances for 1 home loan

I have a home loan with Nedbank since 2011, I get charged insurance in December every year, that cover the year ahead. In Nov 2018 I have taken an extra R100K from my home loan. A new installment and a new period were determined and calculated. The new installment comes with a monthly insurance of about R277. Can you tell me why are you charges me 2 insurances in 1 loan? I have been questioning this since December, its not a difficult question, and its a very clear question