getting ****med, so what do this warranty companies cover????

I took out an extended vehicle warranty (pre owned warranty) in March 2019 with Auto and General and have not had a claim till now, paying R251.78 every month without fail. Called Auto and General and they said when i take my car into a service shop i must tell them to call innovation group, so i took my car in for service at a dealership and in addition it also had a minor oil leak. i spend the whole week talking to them on progress, no decency of giving me updates. Daily they keep on saying they are waiting for calls from the dealership claiming that the claim process is incomplete. then on day 7 i call them and they tell me that they not covering the leak and another component was subject to an inspection. and that i have to fork out around 7k for the dealership to strip the car so that they can inspect the faulty component at my cost. and that they will only pay if they cover the component . so i have to pay for them to do their job. Talk about insurance companies always finding ways for not pay and at the same time draining the life out of customers/ clients. if i knew, i would have rather saved my money for future car problems that to take up your warranty