UNFAIR TREATMENT

I have a policy with Innovations (Service plan) from 06/2021 till currently ,i called them on Thursday (19/07/2022) to claim as i want to take my car for service, i was told that i am 5 months behind on my premiums ,so i asked them why was i not informed about this ,apparently they called me last year of which i know nothing about .The missed premiums are for last year and 2 for this year .My issue is now that i want to claim ,that's when they tell me about missed premiums ,if i did not call them ,they would have never told me. They told me to send the proof of payments, of which i have ,even now they have not responded on my email or called me. Yes i do acknowledge the missed premiums(4) however i thought that they will double debit as it is a 2 years contract .PLEASE HELP MY CAR NEEDS TO BE SERVICE