A debit system with late notifications

My policy has lapsed due to 6 unpaid debits. The debit order was against my credit card, which changed, hence the issue. However Sanlam only informed me of this issue today.

I spoke to Haadiyah on the website chat, and they explained that the policy only allows for 3 unpaid debits. If I was informed after the first debit, I would have taken remedial action. I don't pay attention to missed credit card charges.

I was also told that I'd have to re-apply for the cover. It's such an inconvenience, and really frustrating. Could a manager have a look at this for me please?

I think this approach makes no sense for loyal customers, especially when the faulty debit order system notified me of issues 6 months later.