SANTAM debited my account but I'm not their client.

I called Santam looking for a car insurance, weeks later my current insurance came back to me with a better offer which I accepted. I informed Santam I will nolonger take their offer as I was currently happy with my insurance and with their revised offer. I informed them about not wanting to have dual insurance, they sent me an email later that afternoon that they have cancelled the quote and that was that. To my surprise on the 25th a debit order went through, but how seeing that I'm not their client? I went to my bank they told me I have to wait 48hours before I can reverse the funds. The irony of this if I were to be involved in an accident or something happens to my car SANTAM will refuse to pay out as I am not their client.