**** of a funeral cover

I found out today that I am insured with Hollard funeral policy , which initially I did not take out the insurance plan with them. I did not receive any policy schedule from Hollard stating that I am insured under them. I initially took a policy with Two Mountains with Policy no:A561207, which covered the full burial and service since 2015. When I went to Two Mountains today to claim for my father who passed on as my dependant I was told I am covered with Hollard since Two Mountains is no longer working with Hollard. I was told Hollard refused to be part of them any longer and they took all the clients. They further mentioned that Hollard has sent out messages to inform me that they took me over as a client from Two Mountains which I have not received any communication from Hollard. Hollard offered me R12500 for the burial and services for my father. Hollard offered me a downgraded cover as the lowest plan at Two Mountains amount to R34000. Two Mountains said they will give me a burial service for as a cash clients. I am so angry 😡 as I am looking forward to give my father a dignified send off. I feel ****med by Hollard as they receive my money for the policy that I did not consent to.