Insurance Yearly Premium - Debit orders & EFT's

Can I just say that I am disgusted that Outsurance do not have facilities to accommodate EFT's. My complaint is this. A call centre agent contacted me regarding my Home Insurance. Previously it was done through my bond but FNB have closed that option due to the home loan being paid up. Payment terms were always offered by FNB and full payment was done over 3 instalments. I was informed by Outsurance that by the end of this month my insurance will be cancelled because I was not prepared to pay the full instalment. There is only one salary in this household and I was prepared to pay over 3 months. I was told that unfortunately Outsurance had spoken to the big guys above and were told that is not how their system works and that it was not negotiable either they debit every month or once a year. They cannot accommodate over three months. They won't accept EFT's as no banking details are available and they cannot allocate the money to the correct policy with over a million customers that they have. Excuse me but I think FNB have far more customers than they do as far as home loans. I paid FNB EFT's not debit orders and my money was always allocated to the correct account.