Unfairly Treated by Refusal to pay Claim

I am a very angry, devastated and frustrated client of Old Mutual Iwyze. I had an incident that happened on the 8th of December 2019 where my car got damaged by the floods. It wasn't only me but another car also got damaged by the same floods at the same time as me. I then called my insurance company Old Mutual Iwyze, who then called a tow truck for me immediately and told me that it will be taken to storage and be assessed. I was relieved that they responded so quickly. The tow truck did come. I filled in forms and they took it. The following day, Monday they called to tell me that I needed to submit the accident report from police station. Which I did send it through. On Tuesday they then started to come up with stories when I asked them how far is the claim process. Firstly saying that they do not cover mechanical or electrical claims but my claim was due to natural causes floods. Secondly, Telling me that I missed one premium that was for September "mind you October and November they deducted normally" due to missing this premium my policy has lapsed. Now I did notice then in the beginning of October that the premium didn't go through, but I called them and asked for banking details to deposit the money, and they told me that they will do an immediate deductions or deduct double in October, which they never did. On Wednesday they told me that I needed to fetch my car at the storage where they took it and PAY for it myself. And also PAY for the towing services.

I just do not understand and believe I'm being treated unfairly. 1, why didn't they tell me my policy lapsed when I called the very first time. 2, why did they sent their own tow truck without telling me that I'm going to later PAY for the services myself. 3, why did they take my car to their own storage if they knew that my policy lapsed and they didn't even notify me that I might have to pay for it from my own pocket. 4, why did they deduct their premiums in October and November if my policy has lapsed from one premium which I offered to pay it now and they told me that can not happen. 5, why did they tell me that they will deduct double in October but when they failed to do that, they failed in notifying me too.

I'm solo angry and frustrated. I do not even know how am I going to fetch my car at the storage they chose to take it to.