I have a warranty cover with auto and general

I have a warranty cover with auto and general. In 2022 my car had a problem with the engine and the engine had to be replaced and because I had a cover I submitted the claim and all the necessary documents but my claim was rejected after the intervention of ombudsman it was approved by R6000. I was supposed to be refunded that R6000 until today I never got that refund because auto and general said innovations must refund me and innovation is saying auto and general must pay me. Now it's 2025, I still have the cover,again I have issues with the engine parts that need to be replaced or repaired, my claim is again declined,after I submitted everything and was told to st******* the car but insurance will not pay for that. Why do you pay for service but when you need it you don't get it. I took this cover to have peace of mind in times like these. I need help, I can't take this anymore.... Do I really have to suffer like this. Please I need help