Confusion

I have just taken out car insurance and made a change to my policy. I haven't received a policy schedule confirming changes made and my account has been debited pro rata even though I was told by the agent on two occasions that I will not be debited on the day my insurance kicks in. I requested my debit date for the 15th. I was assured that the complete debit will go through on the 15th incl the pro rata. I would highly appreciate the necessary assistance. My concern is that I am currently not covered because I had insufficient funds in my account when the pro rata went through. I've been calling the call centre and each time I'm told that someone would call me back.