No service No payment

I have been with Mi Way for a long time now and I have never put in any claims. They increased my premium last year. The previous month I missed a payment due to not having funds in my bank account. I received a text message from Mi Way stating that I am not covered for that month the reason being I didn't pay. Beginning of this month I paid and thereafter they took another payment? For what because I was not covered for the month which I didn't pay?! How can you take money for a service which has not been rendered? Pathetic, im seriously thinking of cancelling with Mi Way because im sure when you do claim they will have a lot of excuses...