Cellphone insurance malpractice

I've been paying my cellphone insurance since Oct 2020. On Monday the 8 August 2022 my line was suspended because I missed 2 payments. I called immediately to make payment arrangements. I would pay R2500 on Friday 12th August and the rest the following Friday 20 August. However on the same day 12 August I went to pay R3754, after payment was made I received an sms that my cellphone insurance was canceled. I called in immediately to enquire as I did not request for it to be canceled and neither did I receive communication that it would be canceled. I told the agent that I did not request for it to be canceled. The agent said it would be reinstated once full payment is made. On the 11 August my phone got ****** and the 12 August I went to pay the outstanding amount of R900 which should have added up to more than what I owed of R4754. I realized they had added of my first payment onto my new month's premium and after that payment I was still in arrears because of that. On the 13 August I went back to pay another R254 arrears amount which should not have been based off the telephone discussion I first had when I made the initial payment arrangement. My line was only reinstated on the 13th August and made a case on the 15 August and claimed from insurance which they declined. The first call they said I haven't been paying insurance for a year, then I requested 6 months statements and the most recent shows insurance premiums, then they came back again and said I should have called to make arrangements and I should have ensured the correct vodacom platforms should have been updated. Now I don't work for vodocom insurance and expected them to do the necessary updates. Then the last feedback I got was its unfortunate my phone went missing at that time because I wasn't covered. They've gotten 22 months of premiums from me and 1 day of error now affects almost 2 years of payment. This is wrong in so many ways and done not make logical sense.