Unhappy client

When they approached you they say when you pay you’re immediately covered but when you claim they tell you even if it’s deducted it’s not covered .

They deducted the money on the 25th of November and I made a claim for an incident that happened on the 29th of November but they declined my claim because I was not “covered”. What happened to the “you’re immediately covered when you pay”?

I am not happy with this insurance .