BIDVEST WARRANTY A ****

My car has been sitting at he dealership since Monday 4 November. Bidvest warranty is giving us the run around on an already limited cover.The cover pays up to R25k, but even that is hard for them despite my monthly payments to them being done and on time and my car being serviced at every interval. They are saying it's wear and tear for an engine component. How is that even possible, wear and tear for break pads, tires that can be understandable, but how can you prove for sure that this is the case? VW is stuck, I am stuck because they are now requesting an engineer report which costs R3000 and should they not pay in full. This is ridiculous that while they trying to come up with a 1000 ways not to pay I am running out of money taking Uber everywhere. When I took this warranty it was for peace of mind and they have not lived up to that. I feel bad because I recommended them to soo many people who will now learn the same way I am now just what a ******* all of this is. I have car insurance with Bidvest which now also need to be reconsidered.