One missed payment, account suspended without notice.

I bought a second hand car in June 2021 and I took a Motovantage maintainance plan. I hardly drove the car because of the petrol hikes and have been paying the premiums ever since. Last year December while preparing to drive home, I took the car for service. Before I could even get there the belt snapped. Took it for repairs and claimed, they refused to pay. Telling me about a pre-delivery service that was not done which aacording to my knowledge the car went for service a month or two before I bought it, they paid half of the R11000. Missed Jan premium and they sent me an email informing me that they will deduct the amount when I claim. Payed my Feb premium, now that I make a claim this month(March) they say they have suspended my account. I very much disgusted cause I wouldn't have known this and they would keep deducting from my bank account for services I would not receive because of their suspension. I work so hard to ****med by these ******(insurance) who embezzle our money just to leave us hanging.