Very unhappy customer

I have a tyre cover with Bidvest which I pay every month without fail. Recently I submitted a claim for a tyre that was damaged by a pot hole on the side. My claim was rejected because I was told that it was through wear and tear. The sad part is that I bought 2 brand new tyres from Mercedes last year and 12 months later am told of wear and tear where else my tyre was damaged by a pot hole and damage was on the side of the tyre. Subsequently I lodged a complaint in this regard and to date was not attended to or addressed.