Disappointed at the service that I received

Went to their Highveld mall branch mid September just to shop around for a funeral cover for my mom since I already have a cover with them went there they gave me a quote said it would be too much for but thank you and I left to my surprise when month end came they debited 469 instead of 113 my usual cover went to the branch to get a refund as I already had made my monthly budget and it didn’t include that 369 extra that they took without my permission as I was just getting a quote when I got to the branch I was informed that I won’t be able to get a refund meaning that I took 369 that I needed as I am expecting a child and threw it on the bin for no reason I’m fuming and disappointed at the poor service that I got after being with the company for more than 10 years I would honestly like to get a refund as this wasn’t my fault and it’s not fair on me