Claim on hold wanting early premium while my premiums are up to date and 50% access, trying to find any loophole to decline my claim

In my years of Insurance with 1st for women, I am really dissapointed with the Value Added Service. I've had uninterrupted Dent & Scratch cover always paid on time and never missed a payment. Now when I claim I am being told that the claim won't be finalised before I pay August premium on the 20 even though I've paid in July 20th. Meaning my policy only covers me from the 20th to month end and if anything happens between the 1st to 20th of every month I won't be covered for rather told to wait until the next premium. I was never told this and I am very dissapointed by this! None was disclosed when I took the policy and only being told now meaning I must pay my premium early before a claim can be finalised then pay for my 50% access on Dent and Scratches again which we never agreed upon when I took the product, when I lodged the claim I was told 0% access all of a sudden it's 50% access. Trying to find any loophole not to pay for my claim fortunate enough I've never missed any payment, this practice is very dissapointing especially from 1st for women!!!!!