Rejected Claim

Firstly I received no terms and conditions of what is covered and what is not covered. Secondly I had my first claim of where my Aircon was not working on the vehicle and this has been since the time I have purchased the vehicle. Logged a claim and one of AMP assessors went out and had a look at the vehicle. He claimed the the aircon pipe was cut with a hack saw blade. "Which person in their right frame of mind would want to do this? " it then costed me R15000 out of my pocket to have this repaired. Up until date I received no correspondenace from AMP although I was promised by the assessor himself he would email me pictures and a full report of the issue. Thirdly, On the 23rd of December 2017 my family and Ieft on our holiday trip and the our vehicle then picked up a miss in the engine and my engine light came on, The vehicle had no power and could not be driven. I called AMP and got no answer and had to get my vehicle towed home at my own cost. Besides having no Holiday I had to wait out Christmas day and Boxing day and only got my vehicle attended to on 27th of December 2017 at a VW dealer whom diagnosed the issue. I am greatful that one good thing that AMP did was assist me to get my vehicle towed to the dealer which after fighting with them. My vehicle sat at the dealer since that day and only to find out today that my claim has been rejected due nothing broken on the vehicle!!! They proclaim that the issue is "WARE AND TARE" according to their technicians. Makes me wonder if these people know what they are doing!!!! The diagnosis from VW was the the timing chain was the issue. which cause the crankshaft and camshaft to loose sync. The timing chain is a metal substance which is flexible. How do you break a metal object??? According to AMP they only cover items that are broken!!! After some research as I am not a mechanical person if that chain had broken then the engine would have broken instantly which means more cost. "What is the point of having this plan if things like this are only covered?" this is ***** and ******* to people who have this policy. Fourthly, I ask to speak to a manager and there was no manager in the claims department, the agent says there is only one manager. I ask to speak to some in the cancellation department and there is only one person in the cancellation department and she was not available. Is this company legit? Do they have competent or even people who know what they are doing working for them?