Policy Cancelled in the middle of lockdown and claim refused

Is it fair that the insurance policy is cancelled due to non payment of premium in the middle of lockdown where we are unable to work to generate any sort of income. A claim for ******* where items used to do work and generate income were ******, is being refused due to the policy being cancelled 1 month before due to insufficient funds in the middle of lockdown, where no one was permitted to leave the home?? Now I am left with nothing and cannot continue to work either as I cannot afford to replace these ****** parts and all of my resources have now all dried up... Surely there is some sort of compassion, it was a ******* , feeling very useless and frustrated