Cancellled Vodacom insurance

I bought the IPhone on the 7th and Insured it with Vodacom on the 16th or 17th.I was expecting them to debit The prorata ,they did not according to my knowledge,now on the 8th they debited R498,the amount I did not expect,I thought I was ****** and I returned the money.

I went to Vodacom and enquire ,only to learn that I did not do the Debicheck(was not aware of it as I could have done it immediately while inside the shop)

I called to make a payment manually or allow them to debit again.I was told that returning that meant I lost my insurance.I feel it is unfair as I was never ready to pay the amount I didn’t agree on.Thought I will be given a chance like a reliable client for 20years plus.

I feel disappointed as the terms and Conditions seems unfair for me as I am not given a fair chance to pay.

Not happy at all.