Dreadful Communication from Standard Bank

An insurance company was trying to sell me car insurance. Before I had accepted the quote and policy, I receive a DebiCheck SMS from Standard Bank, even though I had never requested or authorized such a debit order. Naturally I refused to confirm. The next day I receive "A Registered Mandate" from Standard Bank authorizing the Insurance Company to deduct premiums from my current account, even though I had no policy with the insurance company. How can Standard Bank create debit orders and "Registered mandates" without the account holder's express permission? Very disappointing from Standard Bank.