Insurance

Capitec bank insurance ****med me, I covered a person with them, when I had made a claim after my grandfather passed away they denied the claim saying I am not valid to claim as my relationship with the deceased does not fit description, however they have been collecting premiums monthly, the funeral is this coming Thursday we had hope the claim money was going to assist but Capitec let me and my family down we don't know what to do for the funeral arrangements please assist. Thank you