Cover Elapsed Due To No Communication

I have been Hollard Customer for close to 15 Years. In 2015 October/ November my funeral policy debit order did not go through. Instead of Hollard contacting me as their valued customer they said they have send an sms. I was nt well due to Pregnancy complications reading sms was out of my mind.<br> I saw an sms on the 3rd of January that my policies were elapsed. When i responded & finally got to speak to one of their Best Consultant Matshidiso i was told 2 policies for my mother and mother in law were elapsed and they have send me an sms in 2015, back then i did not have a complete working cell phone that have an sms. The solution was either i start from the scratch with the policy or i re-instate which have 3 months waiting period.<br> what if my loved ones die within this 3 months? all the money i have been paying Hollard for al lthis years will be GONE DOWN THE DRAIN? because of their communication method?<br> I AM SO NOT HAPPY WITH HOLLARD