unpaid funeral claim

I've been having a problem with hollard not debiting and double debiting their premiums from last year early. I queried this with them and was told that it was a system error from their side and even went to my bank to fins out what's the problem and confirmed it got nothing to do with it.At a later stage after months of fighting with Hollard, the guy from IT department called and acknowledged it's a problem from their side and that it will be fixed and till this day it's not fixed. I've been spending money to call them as they keep me on hold for long on the phone and the problem was never fixed. Now my Father passed away on the 31/05/2015 which was one of the people I covered on the policy and Hollard only paid me R750.00 and told me that the policy had lapsed and was within the waiting period. I feel it's unfair as the problem lies with them and I have been paying the policy since 2013 until I experienced a problem last year and they were still debiting my account and sometimes they don't debit and the following month they would double debit. I had no money to bury my father with money I borrowed from people and now I have to pay back people. How was I suppose to bury my Father