Sanlam Indie does not offer manual payment options

Due to Corona Virus we are short paid. I want to make a manual payment for the April and May 2020 premiums, The consultant tells me I must give 3 days notice for a forced debit. today is 2 days before 1 April, when there wont be enough funds in my account. Then I am give the option of a double debit next time. Again I wont have funds in my account. Then I am told I can miss 6 premiums but in the event of a claim a reduced cover is paid. the purpose of this plan is to cover the rent until my estate is sorted, so I cannot have a reduced cover. Why does an insurer associated with Sanlam not offer a manual payment option? This is the most ridiculous answer I have ever gotten form an insurer.