Lack of Communication and put a blame on a customer

Am not happy with how Hollard treated me, I have a funeral policy with them on November 2017 they deducted their premium for 2 months (as they say ,Nov&Dec) without communicating that with me so I can be aware. I went to my bank and reverse the other premium thinking they have made a mistake ,life went on they did not deduct for dec (still no communication) on Jan I expected them to deduct they did not then I called them asking the problem they told me the policy has lapsed in 2 months and that they did not communicate . I tried to resolve the matter with them and arrange for the 2 mnths payment but they told me I will still be on 6 months waiting period as if I am a new member or something. AM not happy with how they treated me and communicate because if all this was communicated I believe we would not have such a problem.