Refusal to pay claim

I had a car insurance with outsurance last year. So I changed banks, but I forgot to change their debit order to my new bank. I was involved in an accident, and when I claimed, they told me about the one undebited premium. I tried to negotiate with them to deposit into their account so my insurance can be up to date, but they refused. So I had to pay for the damages myself. It was just the one premium that was not paid - but because of their refusal, I paid the damages. Needless to say, I cancelled the insurance and went to another company. Their customer service was so bad.