poor service from momentum

please note you dont even deserve the star that you see. I have had a life cover for so many years with momentum. I realized they didn't debit my account in July 2018, i then called to be told my policy lapsed. There was no communication sent to me informing me of unpaid debit orders or that the policy will lapse. When i requested that i pay the outstanding amount so my account is up to date they refused. instead they told me to complete a form. if the company really encourages clients to keep their policy why wouldn't you sent communication on the second month or even ask me to transfer the money. This is pure day light ******* on clients. Now i understand when people say insurance companies are bunch of ******, who only think of themselves. i am angry about this.