SO DISAPPOINTED BY VUM(SANTAM) INSURANCE

Dissapointed by VUM insurance.I insured my commercial vehicle with them in September 2019 and premiums have been going off as agreed.January 2020 i receive an email from them informing me that there has been a couple of exclusions because their tracker was not installed on my vehicle(my take on this is that they should not even have debited prior to informing me about these exclusions).No one contacted me to inform me about the tracker and i had to go with Cartrack. December 2019 am over debited,no explanation ,no email nothing.I have been following up on this and eventually got a call from their agent who claimed that an email was sent to me(no proof of the email when i requested)and he changed the story to :every year premiums get reviewed(fair enough)but i have only been with them for 3 months and dont i get to give consent if the premium increases,besides,dont premiums increase at the beginning of each year or at my policy anniversary.Realizing he has been cornered ,He then says to me ,let me find out and get back to you.Its been a month since my hard earned money was ****** by you guys and it has been 3 days waiting for feedback.I would reverse the debit but it might affect my credit rating and i worry that what if something happens to the car and they tell me i was not covered.Is anyone ever going to fix this ?