Santam not my Credit provider but Insurer

End of January 2024 there was a problem with my husbands bank account and our debit orders didn't went threw. On the 2nd of February we called Santam and ask them to please give us the banking details so we can pay the premium directly, but the consultant said we can't do it that way and that we must keep the money because they Santam will deduct double payment end of February. My husband specifically ask them what about if their is a problem and we have a claim and he was inform that Santam will still process any claim. My husband asked the consultant at Santam if it will affect my credit rating and he was told NO. We even called our broker and ask her if she have the banking details so we can pay the insurance premium. There was a lot off calls between my husband and Santam to get details to pay the premium because we don't want to skip any payment to our Creditors, but everybody just said no problem they will deduct double end of February. I RECEIVED MY CREDIT SCORE RATTING THAT WENT DOWN FROM 700 TO 680 BECAUSE OF A ARREARS PAYMENT OF SANTAM. What kind of Insurance is Santam to penalize a Insured person that wanted to pay the premium and Santam declined the payment by not giving the banking details so the premium could be paid. I'm very proud of my credit rating and Santam just ness it up!!! SANTAM is not my credit provider, the last time I look to my documents Santam is my Insurer!!! I want Santam to clear my record at ITC / Clear Score credit record departments. I'm not in arrears and did not skip a payment, I wanted to pay but Santam did not want to accept my payment via self payment and not debit order in the beginning of February. So if I had a life Insurance at Santam and a problem arise at my bank and the debit order did not went of my bank account, Santam will put it on ITC as arrears. Santam this is ridiculous!!