Very dissapointed Client (Bidvest warranty)

I took up a mechanical waranty with bidvest administered by IUA Business solutions, I was told after the first premium I will be covered but to my suprice I had a mechanical breakdown about 15 days of them taking the first premium, when I claim they decline my claim saying its suppose to be 30 days, as I write this they have already taken 2 installments & the car not with me but they still decline, I am canceling my membership with them & won't recomend them to any one. They have lost my business & many others that were suppose to be taking this warranty. Very dissapointed, R559 every Month for nothing, I regret.