Pathetic Mechanical warranty service received form Budget Insurance

Pathetic Service received after speaking to more than 8 consultants and no can answer my questions or give valid reasons as to why a non-serviceable part cannot be covered for my Volvo S40 although it's not listed in their warranty document with 34 other covered components. The matter has been forwarded to various managers and the claims Dept (by them) and no one returned the call to keep this customer happy or his money ad business in their accounts(as confirmed by them). A Supervisor contacted me with the words 'the only components covered by us is the ones on our list' ! My concern is, why do I pay almost a R1000 p.m for insurance and a mechanical warranty if Budget cannot assist when i needed them most .... They said they are only the administrators of this documents and doesn't make the decisions on which components gets covered. I had to pay R9760 which was supposed to be a regular service only but resulted in important engine parts that needed to be replaced which dumped me in a very bad financial position - and this during COVID-19! it's been days and still no budget claim or compliance officer contacted me as confirmed there would. This resulted in me cancelling my mechanical warranty, my scratch & dent as well as my insurance with them and took it up with Discovery with overs a 'no access' when payout. Maybe they don't need my money. Thank you for nothing ...