Unfair business from Burget insurance

I am writing to inform you of how poorly I have been treated by the Budget insurance company. I had a car that was ****** at my complex in Sasolburg on 29 May 2018, and for some reasons (long story) had I missed premium in April which is previous month before the incident of my vehicle. I then made a claim from the insurance to pay for my ****** car, but after a long thorough investigation the insurer handed over my case to the "Claims department" to authorize payment, after a realization of a huge amount that Budget insurance was obliged to pay they then looked for a loop hole to say that they can not accept my claim due to a missed premium the previous month. My biggest concern is with these terms because the premium was missed in 23 April 18(agreed date of premium 23 every month) even though a deducted premium on 23 May 18 incurred, before the incident took place-which was on 29 May18. But the insurer still insist on saying that the car was not covered during the date of the incident. I personally feel that this is unfair business and treatment towards me as a consumer, and that the insurer was just been bias because the investigation took a long time before the insurer came to a conclusion to decline to cover for the loss of car. Can anyone have a better review on this matter as I am lying with a big amount of money having to pay back the bank. Thank you...