Standard Bank VAF - Insurance premiums included in the motor vehicle repayments without your knowledge - Beware!

We bought our vehicle in 2018 (brand new!!!) from Ford, Ford refused for us to take delivery of the vehicle without proof of insurance (fair enough). Fast forward 3 years later, standard bank decides to include motor vehicle insurance on our motor vehicle repayments without notifying us, yup! without a mere notification. When we call in, they all act surprised and confused! and tell us that the insurance was "probably" included because they do not have proof of insurance on their system...only 3 years later do they realise this? What does this mean about their admin? So everyone who signed up for Ford credit (which is essentially Standard bank MVF) should submit insurance policy schedules to Standard Bank every year to avoid incurring additional insurance costs? Doesn't Standard Bank communicate with Ford when a new vehicle is purchased, I am confused? We request that Standard Bank refund us the ********** insurance premiums they deducted from our account without even providing us with a mere policy schedule of the insurance they so claim they have included on our account!