Bidvest has stooped lower than low

I took a tyre and rim cover with them. I have been faithfully without any issues. I call this morning to let them know there is a lump on one of my tyres and I asked what is the way forward. The lady in the other side told me that if there is no "cut" on the bubble they do not cover. What does this even mean??? Should I not go to an RMI approved tyre centre for them to assess what caused the lump before being told it's not covered? These companies are truly wicked, they rob us daylight. When I insisted that I want to go for an assessment I was told to hold and then my call was never picked up again. Do yourselves a favour and stay away from Bidvest insurance