do not take a policy with Hollard!!!!

im soooo dissapointed to hollard iv been loyal client for years and my wife also has a a policy with me covered on her policy but i feel iv been treated unfairly ,i know i had financial problems which i called Hollard to ask and and make some arrangements with them to cover up the premiums iv missed for my granny whom i pay 450 for her ,all those R450 down to the drain because they wanted me to pay the arrears in full ,where can i get 1800 if iv failed to pay R450 at a time ,you can chase new client and forget about keeping the one you have because of money but i dnt think thats they way to treat you clients,il never refer anyone to you guys and my wife will be cancelling the one she has sooner ,now my policy has been terminated after so many years of payment and my granny is 75 years where will i get a cover now