INSURANCE CLAIM

I Thato Sekete have been a vodacom account holder for 3 years and when i had then lost my phone , the company had refused to approve my claim as they claim that my insurance was cancelled with them. What i Fail to understand is that how would my insurance be long cancelled whereby on my vodacom statements payment always went through to them. I am now paying for my contract of which i am not using as i dont have a cellphone to use. Can you assist.