Been completely *****ed over

Just contacted Alexander forbes to lay a clam for a accident to my car over the weekend not major just a big dent and not my fault . To be told by Alexander forbes that my insurance policy has lapsed due to non payment due to the fact that my salary had not cleared in my account so the debit order did not come off . I'm then told that they will not cover the accident and that they require a satisfactory Vehicle Inspection Report (obtainable at cost of R50.00 from any PG Autoglass or Glasfit centre. before they reinstate the policy iv been a customer for about 2 years and have not missed a payment ever till now. when I asked them why they did not notify me about this payment issue that i would of corrected immediately i get told they sent an sms that i did not receive and they said they sent a letter in the post that i did not receive as well . knowing our post office it will take a year be for i get it. what stopped them from picking up a phone to notify me . Now I sit with a big dent on my car that i need to pay out of my own to repair .. Is this customer service i think not. im so unhappy with this customer service .Please can some one assist me in this matter!!!!!!