Auto and General warranty,the pits of insurance covers

I have had 3 claims with auto General warranty and the first 2 were not paid and I understood because these components that were damaged were not covered as per their policy document. I then made repairs to my car which combined set me back about R27k. Just now in October I had an issue with the engine oil cooler and the gearbox oil cooler, which then caused overheating which then ****ed up the engine.

I submitted the claim and the first time it came back rejected because Lindiwe Radebe the processor from auto Gen said I had oil leaking which is not cover. She said this because she saw the words "engine oil cooler leaking" I called and someone else helped me who understood that engine oil cooler doesn't hold oil but keeps the car's engine oil and gearbox oil from being hot. The claim came back rejected saying I drove the car for over ****m while it was damaged. Mind you this is a BMW 320i motorsport,sensitive ****** car.

I then went to their dispute resolution team and spoke to Tania Van Zyl who came back with information from the "mechanical specialist" who said I had a coolant problem before of which I never had a coolant problem caus "coolant" is liquid that is poured into the car instead of water. I confirmed with Tania that on my first claim for turbopipes, I replaced that and part of replacing that the mechanic had to put new "coolant" aka anti freeze on the vehicle. I have never had an engine and gearbox OIL COOLER problem.

I am disgusted with their service and everything I request for my policy to be cancelled, make no mistake the first debit on the 25th is from them. I can't stop or reverse it with bank and they don't want to cancel and don't want to pay claims. My car needs R59k tk fix and the components that need to be fixed have "unlimited cover"

This is the pits,I hate this insurance,it is ******* or maybe cause black people don't complain they take us for a ride. Now I have to go to the adjudicator just cause they don't want to pay for a valid claim