UNAUTHORISED DEBIT OFF MY BANK ACCOUNT

I recently wanted to put a friend on my policy as a regular driver on one of my vehicles. I was NOT happy about the increase in the my premium as I felt it was excessive for both excuses - the first one was the friend had an international license the second was the area (Morningside Sandton) he was staying in was unsafe. Despite me NOT agreeing to the premium or change OUTsurance continued with the change and deducted the amount off my bank account. When I asked for a reversal they resent my policy to me with the unauthorised change and NO refund. Theft I wonder.