Bad service Innovation\ ABSA warranty group

Firstly i had a manufacturers warranty for my VW polo. The warranty was going to expire a month from my purchase, bought a new warranty for 2 years. Before this warranty ran out ( about a week before it did) i then called Innovation to purchase a new warranty ( Feb 2018), only to be told, yes the warranty will cost around R300 pm, all fair and well as that seems to be the going rate, however they also stated " you will have a 3 month waiting period" . I was really bemused by this as its the , same owner, same vehicle, same company but why slap me with a 3 month waiting period. Nevertheless i have accepted this since and the waiting period is now over. Earlier today called Innovation again asking about a courtesy car in the event of my vehicle breaking down, was told "your policy does not cover that, you will have to take out a new policy that does cover the courtesy car". Ok that seems fair as its straight forward, but because i would like this benefit on my policy i will then get slapped with another 3 month waiting period for a policy that i currently paid for 4 months already, bear in mind...same car..same owner..same company..What a joke.