cancellation of policy

I have been having a house insurance from 1998 when I bought the house with Nedgroup Life Assurance Company. A monthly debit of R266.81 is debited from my banking account on the 1st of each and every month. Today, 01 December 2022 I decided to call Nedbank to check if everything is going well with my insurance only to find out that the policy that I have has lapsed. When I called the Call Centre agent I was informed that my policy has lapsed due to non payment. The person who assisted me informed me that October and November no payment was received. And because of that the policy has lapsed. I have never received any communication from Nedgroup to say that they did not receive any payment from my side. As a costumer I believe that I was supposed to get some sort of communication so that a manual payment was going to be made. My banking account always have money on the 1st of each month because I know that I have a policy that I have to pay. As a consumer right I know that a policy cannot be cancelled with only 2 months of non payment. Policy number: ***. My number is ***. When I called again I am being told that on my policy the only contact number that is there is a landline number only. So my question is which communication was sent to who since there is no email address and cellphone attached on the policy document. I have been paying this policy for more than 20 years.