Innovation Group tried to de***** my premiums

I was claiming from Innovations Group for a warrantee on the 14th January 2019 and to my surprise I was informed that the policy has expired because my vehicle is now 15 years old. They did not tell me this upfront. They only told me this when I was claiming. When I enquired if the policy was upfront payment, I was told that it was a month to month policy and that they had debited my account for December 2018 which according to them was the last instalment. When I checked my account this month, I discovered that they had debited for January 2019, I queried this and I had no clear response. According to my knowledge if and when an insurance company debits monthly instalments from an account it means that you are covered for that period. Innovation also had an obligation to inform me a month in advance that my policy will expire.