Easy way out - That's how they ***** us!!!!!

Unfortunately all our vehicles are insured with Dial Direct/Auto and General. Being self employed we do not get salaries paid to us on the end of the month like anybody else, so our bills get paid when the money becomes available during the month. Whenever our debit orders returned unpaid, we would settle the outstanding plus the new month as soon as possible. Our payment for the Insurance did not go through for the month of June, so obviously we would have paid for June and July when the money became available on the 3rd of the month,. Our paid up Kia Bakkie got ****** in Durban on the 25th of June and the quickest easy way out for the Insurance was to say that the debit order was returned and Sorry, it is your loss. We will not pay you out for the vehicle. This is our loss. To keep you as a client they would have phoned and confirmed that we must pay for arrears and the new month if the vehicle wasn't ******. Maybe the Ombudsman should be our next step as we can not leave this matter as is. Why do we have Insurance if this is the way they treat us.