TFG I'm so disappointed

I would never recommend TFG insurance to anyone it's almost 2 weeks now since I submitted the claim and it has never been easy to claim with them from the very first claim I submitted in 2021 this is a third claim, I have insured 2 phones with them and I am now told that the claim is declined because they didn't deduct the premiums from the month of October they only deducted for the other device not this one I'm submitting the claim for, but my question is,who instructed them to stop debiting cause I did not do such and I didn't cancel my insurance, why can't they just admit to their negligence/mistake, these people are supposed to give me a new phone and then deal with who ever stopped or cancel my insurance because I had no idea that they were debiting for only one phone up until I submitted this claim,then they told me and only then I went through my bank statement to check if it's true,all along I thought both my phones are insured and I'm told that when I'm in a very desperate situation that the very insurance I took out to cover my back in times like this is not going to come through for me because of their mistake not mine.