Device Insurance claim

On 13 October 2020 I contaced Finrite regarding my device since it was accidentally damaged, they told me that my insurance policy have outstanding premiums of which they didnt even made me aware of that.

So the consultant told me that they will give me 30 days grace period to update my policy because now they will not process my claim since due my statement not showing any insurance premium. Then they told me that we must wait for the November statement.

I then paid the account on the 27 October for them to be able to deduct the outstanding premiums on the 10 November, So after receiving the statement on the 15 of November I sent the statement to them then the lady that I was talking to, she told me that she does see the insurance premiums on my statement so they will book collection for my device then they will come and collect it.

I then made a follow up about the collection since i saw that days has past and they havent collected the device thats when they told me that my claim is now declined since they is still another outstanding primium for October on my insurance because they have debited for August and September of which they didnt even tell me that I must pay for how many months. They just told me that they must be insurance premium shown on my statement then they will cover. And onother thing they was enough money on my account for them to debit but they didnt debit for all outstanding premiums and i dont know why. So the consultant told me that they will not cover my device and even if i can carry the cost now and repair it now, they wont cover it for damage in the near future. Of which my contract with them states that im paying for loss or damage. So now how come it will not be covered for damage but im paying for it. So I think with all this matter they are the ones who are wrong because they didnt give me all the relavant information, and it was their problem to not debit and they didnt even made me aware. Please help me with this matter