Unfair Pro-Rata Charge and Unwanted Coverage Addition

I currently hold a vehicle insurance policy with Outsurance. On January 21, 2025, I contacted Outsurance to inquire about adding another vehicle to my policy. During the call, I requested information regarding the coverage and premium, and I explained to the consultant that while I might need the coverage, I was not financially prepared to proceed at that time. I assured them I would reach out again once I was ready to move forward financially.

On February 21, 2025, I called Outsurance again to inquire about starting the coverage in April. I was informed that the new vehicle had already been added to my profile and that I was required to pay a pro-rata fee immediately, according to their system. However, when I checked my bank statement a few days later, I was surprised to find that R696 had been deducted.

I believe this deduction is unjust, as I have not yet commenced the coverage, and I did not authorize any payment at this stage. As a result, I am requesting a refund of the R696. Furthermore, I no longer wish to add the second vehicle to my policy, and if I do not receive a refund, I will consider canceling my existing vehicle coverage with Outsurance.