Dissapointed too much!

I opened a policy in july last year which meant debits was to start in August as the policy contract states its commencement date to be 1Aug2014. Due to unforseen events i lost my job and cancelled during the first month and reinstated it the following month. Early this year was told to pay for those two months to keep it updated so i agreed to pay for Aug and Sep so as to avoid complications in future claims. I'm the sole breadwinner in my family as now i have to bury my father since he passed away 12 Aug which is after the 12month of my policy but to my suprise its not. I'm expecting a full payment but after constant calls, 18Aug i get half the money. I have proof of all my communication with them on email asking them to clarify if i pay for those months i cancelled my policy if in future that won't affect me but today to my suprise my policy is not 12months old. I fail to understand all of this, even the claims agent didn't want me to make her aware of my policy in terms of what occured. When u speak to the public u make it so unbearable for us, those bringing money in to raise our concerns. I'm taking this matter to the FAIS Ombud if the rest of my payout is not paid in full.