Poor Service

I'm actually annoyed by this now. My car is financed by MFC and I insured my car with Nedgroup Life for retrenchment. The insurance its been paying from October, and I was advised it will be paid for 6 months should I not get a job in 6 months then I need to re-apply. Now the huge problem I have, the bank is phoning me, sending sms's that my account is in arrears. When I phoned of which i struggled to get through, was told the insurance is short paying my instalment by R70 to R80 every month. I don't understand what is happening. The insurer knew exactly how much I was paying. Now what's with these stories? I am not working at the moment and I expect the insurance to cover me fully. Why there is a short payment every month? When i phone I'm being transferred from this department to another and It's frustrating and annoying, at the end still I don't get any help. Please sort out this mess.