ABSA DO NOT RENEW ANNUAL INSURANCE BUT FAIL TO NOTIFY ME!

I have bond ***for many years with Absa. I have my current account with them , my credit card and three Bonds. When I phoned April 2025 to claim for a burst geyser I was told by Absa that my home insurance was not renewed November 2024 as my bond was paid off. No one ever send me an e-mail warning me that I will have no cover. Absa only claim they have tried to phone me. I had to replace the geyser at R11600 cost and requires that back from Absa as they were negligent by not informing me. Why did they not charge the renewal to my bond that is still open? Or debit my current account? No , they rather do nothing and now I must have a R11600 loss? What if the property burnt down? This is completely unacceptable!