Insurance claim not honoured!

Good morning... yesterday I was ****** at gunpoint of my bicycle wallet and phone and backpack it was a very traumatic experience. I have been a client of old mutual for many years and always paid my premiums on time by debit order.i got a affidavit and a list of items ****** from the police.i submitted my claim only to be told that the last 2 premiums had not been paid...I was completely unaware of this?...I said I hadn't noticed at all which I hadn't.i said ok will you consider my claim on compassionate grounds because I have been a loyal client for many years! they said no sorry and that is the end of the matter.No wonder old mutual have been around so long it's because they take people's money but don't honour claims... simply really thanks again old mutual!