Motor warranty surprises

My motor warranty claim was rejected today. My car needs a new tensioner and kit, but the policy covers other tensioners only (not the one that I need). I have paid almost two years on this policy without any benefit. It is also not classified as " fair wear and tear", which leaves me with an account of R7500. Why have I paid premiums for almost two years? The service was very bad and below customer expectation. If only I have saved my premiums, I would have been able to pay cash. Be careful South Africa.