Claim Rejection

My father passed away on 10 February 2021, when my mom claims for insurance standard bank said she cancelled her policy on December while she was not, that thing gave my mom heart attack she also passed away on 03 March 2021 due to heart attack that was caused by standard bank, Again on the 9th July 2021 my car was ****** it was insured with standard bank I lodged a claim and provide them with everything they needed they even organised me a rental car as it was included in my contract. last week Thursday I received an email cancellation letter of a policy was attached but I didn't cancel any policy, on Friday they sent another email rejecting my claim. they even threatening me telling me I must return the car hire immediately while on my contract I choose 60 days car rental. I cant return the rental car because they said Assesor will come but he didn't come yet, even the tracking company said they are still searching but standard bank already rejected the claim.