unauthorised billing from my account

Beginning of March my daughter contacted Outsurance for a QUOTE for a vehicle. After all her details was taken and a quote given she told Zweli she will get back to him regarding the price as she first want to discuss this with me. Guess what... Yesterday a premium of R534 went off her account. Firstly she did not authorise this and secondly the car was not taken in for inspection so how could they cover and bill her without proof that the car even exists??? She contacted them today and was told that they will repay the money which first of all tell me they now they were wrong but only 5 May 2015! RIDICULOUS to say the least! The money has to be paid back immediately! Secondly they only pay back a part of the money as the other money was taken to cover her for part of March! This then mean we can claim as the car was scratched and was infact covered!