INCONSISTENT DEBIT ORDER

I Vuyisile Nodada have a cell phone insurance with EDCON/HOLLARD since Novembet 2020 for this specific phone but since 2021 March they started missing debit orders so much that i had to send them emails on call them. For March 2022 they are suppose to debit on the 1st but today its the 7th and they still havent debited, i have tried sending emails again but they are not going through, tried the Hollard Facebook page but still nothing, i called them today and i was told the system was down so they couldnt help me. What i wanna know is what will happen if something happens to my phone and i need to make a claim.