DebiCheck standard bank insurance

So I am a standard bank customer and so far I cannot fault them on anything but today I had the worst experience ever. I took out a funeral cover on the 22nd of March on my standard bank app. So I never accepted any DebiCheck mandate for this insurance I was contemplating if I should continue with it. On the 25th of April DebiCheck went off for r245.45 without me approving the DebiCheck today when I call them to tell them I'm not interested anymore a d if my money can be reversed I know it's little money but it is mine it is the principle behind the entire thing. I am being told because I am a standard bank customer the system automatically authorized the DebiCheck on my behalf, how shouldn't I accept the mandate and not the system on my behalf I am really not happy about this even though it's a small amount but for me it does not work like that, because I am a customer the system can authorize DebiCheck mandates on my behalf I don't want to change banks but this whole thing is making me feel some type of way. I just want my little r245.45 back the system cannot be making decisions on my behalf. And when you call or being transfered they keep you waiting for 48min I mean what the hell.