Constant issues

Since I upgraded my contract, and subsequently paying a penalty to move down to a different package, I’ve been having hassles. This time round I’m being charged twice for insurance. One is comprehensive (R293.25) and accidental (R166.32). How is this now happening? If I knew earlier what I know now, I’d not have upgraded and would’ve moved. I sent in a form asking for accidental insurance. Now there are issues with insurance payment as well??? I need this sorted out.