Improper Business Etiquette, Policy cancellation

My name is Abdul Ebrahim. I have been a customer of Miway Insurance from 2011. In this time, I have had no claims. I have two cars and my household contents insured with Miway and pay approximately +-R2000 per month. My insurance is on a debit order and occassionally it does not go off on the prescribed date but on a later date within the month. Not once did Miway not receive their premiums. I received a call early this month to say that the premium did not go through but it will be debited on the 20th. Yesterday, they called me to say the bank reversed the premium and the insurance is now cancelled. I will now have to apply for a new insurance, pay a new admin fee and reassess the vehicles and start from scratch. When I asked about my loyalty points because I had no claims from 2011, they said I do not qualify because occassionally my debits go off on a later date, but not once did they not receive their money. This information they do not disclose to their customers. I explained to them that the reversal of the funds was not my fault but the banks but they went ahead and cancelled my insurance. I feel this is very unfair because I have been a loyal customer with no claims to date