I explained to Santam that the debit order will not go through can I change the date

I explained to Santam that the debit order will not go through can I change the date. 2 consultants advised that they will do a double debit which suited me fine. I also received an email from santam saying the debit order did not go through however they will double debit on the next premium date. After a week they canceled the policy. When I called I was told I must pay the whole years premiums which is R31000 some change. This is ridiculous. I'm totally disgusted.