refusing to refund my towing fee

Brolink don't know what they are doing, they somehow brokers of standard bank and Hollard motor cover assist(insurance). on the 6th august 2023 I got mechanical breakdown on my way to work, it was my first time have mechanical break down, so i contacted standard bank and Hollard to get help, both parties told me that they can't find me on the systems as a client, then i arranged towing and paid from my pocket, then the following day, i contacted standard bank again, they gave me numbers of brolink, i called brolink and they asked for invoice and contact details i used to call Hollard and Standard bank, they told me that they are going to investigate, two weeks later they reject my claim, worse part one of the consultant told me that my policy don't cover breakdown, the investigating personnel told me because i didn't call brolink thats the reason they reject my claim and she don't why i was told that my policy don't cover breakdown.