Game Customer protection is a ****

I app**** for Customer Protection insurance for my Game account. it was approved but was never communicated that the approval was for one month only. I fell into arrears the following month due to this. I don't understand how they just covered me for 1 month while i informed them that i'll be paid short for 3 months. Now they've increased the insurance premium which I think is absurd. I never received any communication telling me that I should apply monthly. The lockdown messed up my finances but I thought paying for such insurance would ease my burden but Game made it worse.