DON'T WANT TO REPAIR EQUIPMENT UNDER MOTORPLAN

I went Shopping on Thursday afternoon. After loading in the stuff that I bought in the Mini Cooper Countryman the car did not want to start. I call Mini Assist and they could not get it started at all. The car was loaded on a truck and taken to Northclif Mini. I had only one key for the car and this is where the problem start. The Service Manager insist the there must be two keys or the Motorplan will not repair the car under warren-tee .Only on Tuesday Morning I got a quote of more than R15 000 to repair the car. The key I have does open the doors therefore the key was working 100%. There is no reason why the Motorplan cannot pay for the repairs. Up to now 7 days later I dont have a car to drive around. Can I rent a car and claim form the motorplan?