2 months lapse of an 8 year old funeral without any communication

Hollard has decided to cancel my 8 year funeral policy without communicating with me. I have sent them an equiry email, no response yet. The calling SMS says I'm behind with 2 months , but their terms and conditions are 3 months before it lapse. This is the second time Hollard does this to me . Communication is 0 percent from their side . I only hear from Hollard when they are selling and those selling when you ask them about your policies they will tell you they can't view existing policies . Om very disappointed and waiting for a call back if I ver will get one.