Insure by iStore at your own risk and beg to be debited

Insured with them from Feb, they miss a debit order date in July, they come back and debit end of August, my phone gets damaged in October (Before they debit - Unaware why they had not, the account had sufficient funds available from salary date to the day the cellphone was damaged , I submit a claim request on the exact date the phone is damaged , and wake up the following day and it is declined because of an unpaid premium. They are really bad, taking it up with ombudsman, they can't get away with robbing people.