LEWIS Stores monarch insurance what a *******

Hi.. Due to the current Cov-19 pandemic, I've lost my income and am currently unemployed. It is temporary and I am receiving a UIF type of payment in this time. Upon buying furniture from Lewis a year ago I was sold insurance through monarch, Lewis's own insurance company. I was told I'm covered for loss of income and my premiums would be paid for 1year in the event of this. Based on the current situation all job cuts are viewed as retrenchments and documentation received from my employer confirms this. For the last 3 months I've sent Lewis to the ***. All documentation. I was told it will be processed everything is in order. Today I receive a statement which says I am behind with my installments and I owe them R6600 payable by month end. Meaning no payments have been made by the so called insurance cover that I have. I find this extremely unprofessional and rediculous. I've been paying for this for a whole year so far. Nobody could predict this could happen with the cov-19 pandemic. However it did, so now having a valid claim is not even worth anything because Lewis cannot honor their own insurance cover which they provide customers with..