Rejected claim without proper investigation

Firstly , the "assessor" (Nyati who I spoke to only telephonically, never even saw the vehicle) did not even know what the policy wording stated. According to the policy wording the following all lubricated parts including the oil pump for which I submitted a claim is covered. It then describes a failure as a broken or fragmented or short circuiting causing failure. Failure can arise from mechanical, electrical or electronic defects that cause a part stop functioning and requires repairs or replaced. Furthermore, a service history is requested upon submission of a claim to prove that the owner is not neglecting their responsibilities. The claim was rejected based on an opinion of 2 guys (Francios Fraser and Bigboy Nyati) sitting behind a desk without any physical inspection