AA Declined Claim When Claim Is Valid!

I took a mechanical failure warranty with AA and I have been paying it for years. This year my vehicle gearbox produced a weird noise. I called AA to know what to do next and they told me to take the car to Mayfair who is a gearbox specialist.

I take the vehicle to Mayfair and they removed and stripped the gearbox and did the evaluation and they advised that the gearbox bearings and all gears needs to be replaced.

AA sends out their so-called TECHNICAL TEAM to Mayfair to verify the issue. I received a call today from an AA agent, 9th February 2021 to tell me that my claim has been rejected as the AA Technical Team advise that the failure is due to WEAR and TEAR.

I will quote directly from my policy that the components that failed are covered under warranty.

"We cover all internal lubricated parts: gears, shafts, synchro hubs and rings, bearings, bushes and internal shift selectors, external shift linkage, transfer box components, clutch master cylinder, clutch slave cylinder, seals and gaskets."

The AA agent told me that if I want to complain I must email complaints. I then asked what was cost to fix and he told me that it was R50000 which is expensive and I told him this is the reason why I have a warranty as you guys are quick to take my money when it comes to signing up.

The call then ended and I called Mayfair and advised them that AA declined the claim as the damages are due to WEAR and TEAR.

The engineer from Mayfair told me that that it is inaccurate as WEAR would be 1 gear not all the gears having failure on the case hardening on the tooth contact of the gears and they should pay for it as it is a mechanical failure.

I then emailed the AA complaints department to state my case and attached report from Mayfair to the email and I'm still waiting for feedback.

This is unacceptable and I urge everybody to cancel their policies with AA warranties as they do not pay out. They ***** your money left right and centre.

I'm left with a car now with a broken gearbox because AA won't PAY!

WHAT IS INSURANCE IF THIS IS THE SERVICE WE GET!