Unpaid claim!

I’ve been wit FFW for about 2 years now and I recently got ****** during the festive season. I made a claim shortly after and as I was submitting proof of purchase of the items ******, I received an email to say I had not paid my premium and wasn’t covered? How is this even possible as they deduct of the same date every month, without fail. I’m more upset because some of the items include my car keys and I’m literally stuck! I have to be at work in 3days and I really don’t want to take a taxi since the traumatic incident.