Poor business ethics, and *******

I had a service plan with motorite of upto 158000KM / Dec 2020 in my VW polo 2012 comfortline, the last service was for 150000KM ( at interval 15000KM) in July 2019. After that service they never reminded me that this was my last service according to KMS, to give me a renewal option they kept quite but they continued with monthly debits. Only to find out in the day I took the car for 165000KM in Jan2020, saying to the dealer they won't be able to cover because the policy has expired based on KMS and blaming me of not check the KMS. I questioned they courtesy as a business because they should reminded me at 150000KM that about the status of the policy which they never did, now they are throwing the egg in my face by saying its my fault, but what about the premiums I've been paying and they don't even talk about the refund because its my fault.