Can I get my money back please

On the 26th of June I called outsurance and told them that my bank details have changed and I was not expecting to get my salary on the new bank account. They confirmed that the details have been updated however they can not do a debit order at that moment as on their system it appears as paid and they can authorize another debit order after 15 days. On the 23rd of July I had a car accident and I called outsurance, I did the normal car assessment and everything. I was then told that because of my missed premium I can not be assisted because I was sent smses and emails about it, but I never got those smses can you please show me the proof of the smes and emails you sent telling me that you could not get money after 15 days. My problem is money was deducted from my account even though i'm not 'covered' and why do you deduct if you can not help me when I need your assistance. Can I have my money back please as its clear anything after the 26th of June is no longer applicable. I would also like t cancel my policy<br> <br> Tyhank you